| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FLORIDA BLUE3 Filed as: GRAVIER, NAKINA - FLORIDA BLUE | AND VARIOUS OTHER AGENTS 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $7K | $0 | $7K | 4.17% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 14.67% |
| FLORIDA BLUE3 Filed as: GRAVIER, NAKINA FLORIDA BLUE | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $914 | $0 | $914 | 4.03% |
| FLORIDA BLUE3 Filed as: LUCAS, MAGGIE FLORIDA BLUE | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $137 | $0 | $137 | 0.60% |
| FLORIDA BLUE3 Filed as: CAMPUZANO, SOLANGE FLORIDA BLUE | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $137 | $0 | $137 | 0.60% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $711 | $4K | 18.46% |
| WHITTINGTON ROBERT HUNTER3 | 700 W HILLSBORO BLVD BLDG 2 STE 102 DEERFIELD BEACH, FL 33441 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $2K | $0 | $2K | 10.61% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $964 | $22 | $986 | 6.73% |
| US BENETEC WORKPLACE SOLUTIONS3 | 99 WOOD AVE SOUTH SUITE 501 ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $542 | $0 | $542 | 3.70% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 282 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 282 | $2.7M |
| Dental(2 contracts) | FLORIDA COMBINED LIFE | 176 | $201K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | 358 | $32K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 25 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 358 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.