| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES F. TULLIS & ASSOCIATES, INC.3 | 1645 SAN MARCO BLVD JACKSONVILLE, FL 32207 | HEALTH OPTIONS, INC. | $32K | $0 | $32K | 5.00% |
| JAMES F. TULLIS & ASSOCIATES, INC.3 | 1645 SAN MARCO BLVD JACKSONVILLE, FL 32207 | BLUE CROSS BLUE SHIELD OF FLORIDA | $8K | $0 | $8K | 5.00% |
| JAMES F. TULLIS & ASSOCIATES, INC.3 | 1645 SAN MARCO BLVD JACKSONVILLE, FL 32207 | METROPOLITAN LIFE INSURANCE COMPANY | $780 | $0 | $780 | 1.03% |
| JAMES F. TULLIS & ASSOCIATES, INC.3 | 1645 SAN MARCO BLVD JACKSONVILLE, FL 32207 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 17.53% |
| JAMES F. TULLIS & ASSOCIATES, INC.3 | 1645 SAN MARCO BLVD JACKSONVILLE, FL 32207 | SAFEGUARD HEALTH PLANS, INC. | $562 | $0 | $562 | 9.11% |
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 | 290 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 97 | $794K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 290 | $75K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 290 | $75K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 290 | $122K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 80 | $47K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 80 | $47K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 80 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.