| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GILSBAR, LLC3 | 2100 COVINGTON CENTRE COVINGTON, LA 70434 | MEDCOM CARE MANAGEMENT, INC. | — | $2K | $2K | 2.48% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF FLORIDA LLC | 4880 NEWBERRY ROAD SUITE 180 GAINESVILLE, FL 32607 | ACE AMERICAN INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FLORIDA BLUE EIN 59-2015694 HEALTH CLAIM ADMIN | Contract Administrator; Claims processing Service code 12 | — | $1.0M |
| GUARDIAN LIFE INSURANCE COMPANY EIN 13-5123390 DENTAL ADMIN | Contract Administrator; Claims processing Service code 12 | — | $53K |
| PRUDENTIAL INSURANCE COMPANY EIN 22-1211670 STD ADMIN SERVICES | Claims processing; Contract Administrator Service code 12 | — | $51K |
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 | 1,181 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 29 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HM LIFE INSURANCE COMPANY | 930 | $149K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,181 | $1.1M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,181 | $1.1M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,181 | $1.1M |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 1,125 | $1.7M |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,181 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,181 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.