| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES CAMPBELL & ASSOCIATES3 | 2039 CENTRE POINTE BOULEVARD SUITE 203 TALLAHASSEE, FL 32308 | BLUE CROSS BLUE SHIELD OF FLORIDA | $76K | — | $76K | 5.00% |
| JAMES CAMPBELL & ASSOCIATES3 | 2039 CENTRE POINTE BOULEVARD SUITE 203 TALLAHASSEE, FL 32308 | FLORIDA COMBINED LIFE | $5K | — | $5K | 10.00% |
| JAMES CAMPBELL & ASSOCIATES3 | 2039 CENTRE POINTE BOULEVARD SUITE 203 TALLAHASSEE, FL 32308 | USABLE LIFE | $6K | — | $6K | 15.06% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PARKWAY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $413 | — | $413 | 1.00% |
| GIS BENEFITS INC3 | — | METLIFE | $1K | — | $1K | 4.75% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | — | METLIFE | $951 | — | $951 | 3.78% |
| JAMES CAMPBELL & ASSOCIATES3 | 2039 CENTRE POINTE BOULEVARD SUITE 203 TALLAHASSEE, FL 32308 | USABLE LIFE | $3K | — | $3K | 14.61% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PARKWAY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $208 | — | $208 | 1.00% |
| JAMES CAMPBELL & ASSOCIATES3 | 2039 CENTRE POINTE BOULEVARD SUITE 203 TALLAHASSEE, FL 32308 | USABLE LIFE | $2K | — | $2K | 11.81% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PARKWAY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $150 | — | $150 | 0.99% |
| JAMES CAMPBELL & ASSOCIATES3 | 2039 CENTRE POINTE BOULEVARD SUITE 203 TALLAHASSEE, FL 32308 | USABLE LIFE | $747 | — | $747 | 14.39% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PARKWAY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $52 | — | $52 | 1.00% |
| JAMES CAMPBELL & ASSOCIATES3 | 2039 CENTRE POINTE BOULEVARD SUITE 203 TALLAHASSEE, FL 32308 | USABLE LIFE | $335 | — | $335 | 14.91% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PARKWAY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $22 | — | $22 | 0.98% |
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 | 227 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 139 | $1.5M |
| Dental | FLORIDA COMBINED LIFE | 137 | $54K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 158 | $14K |
| Life insurance(2 contracts) | USABLE LIFE | 227 | $57K |
| Short-term disability | USABLE LIFE | 52 | $21K |
| Long-term disability | USABLE LIFE | 33 | $5K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 139 | $1.5M |
| Other(4 contracts, 2 carriers) | USABLE LIFE | 227 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.