| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LTC INSURANCE SERVICES LLC3 | 20 DONATI RD PITTSBURGH, PA 15241 | BLUE CROSS BLUE SHIELD OF FLORIDA | $11K | — | $11K | 4.00% |
| LTC INSURANCE SERVICES LLC3 | 20 DONATI RD PITTSBURGH, PA 15241 | BLUE CROSS BLUE SHIELD OF FLORIDA | $10K | — | $10K | 4.00% |
| LTC INSURANCE SERVICES LLC3 Filed as: LTC INSURANCE SVCS LLC | 20 DONATI RD STE 300 PITTSBURGH, PA 15241 | SYMETRA LIFE INSURANCE COMPANY | -$15K | — | -$15K | -9.97% |
| PHILIP SCHERMERHORN3 Filed as: PHILIP C. SCHERMERHORN | 315 GRAY RD LITHIA, FL 335472008 | BLUE CROSS BLUE SHIELD OF FLORIDA | $5K | — | $5K | 4.00% |
| PHILIP SCHERMERHORN3 Filed as: PHILIP C. SCHERMERHORN | 315 GRAY RD LITHIA, FL 335472008 | BLUE CROSS BLUE SHIELD OF FLORIDA | $5K | — | $5K | 4.00% |
| LTC INSURANCE SERVICES LLC3 Filed as: LTC INSURANCE SERVICES, LLC | 20 DONATI ROAD, SUITE 300 PITTSBURGH, PA 15241 | ADVANTICA ADMINISTRATIVE SERVICES INC | $10K | — | $10K | 10.00% |
| ARISTO INSURANCE GROUP LLC3 Filed as: ARISTO INSURANCE GROUP, LLC | PO BOX 280 LITHIA, FL 33547 | ADVANTICA ADMINISTRATIVE SERVICES INC | $0 | — | $0 | 0.00% |
| LTC INSURANCE SERVICES LLC3 Filed as: LTC INSURANCE SERVICES | 20 DONATI RD SUITE 300 PITTSBURGH, PA 15241 | ADVANTICA REINSURANCE COMPANY | $1K | — | $1K | 5.00% |
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 | 468 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 468 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ADVANTICA ADMINISTRATIVE SERVICES INC | 326 | $98K |
| Vision | ADVANTICA REINSURANCE COMPANY | 295 | $21K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 468 | $152K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 468 | $152K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 468 | $152K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 51 | $418K |
| Other(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 468 | $543K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 468 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.