| 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 | $101K | — | $101K | 5.00% |
| JAMES CAMPBELL & ASSOCIATES3 | 2039 CENTRE POINTE BOULEVARD SUITE 203 TALLAHASSEE, FL 32308 | FLORIDA COMBINED LIFE | $9K | — | $9K | 15.99% |
| JAMES CAMPBELL & ASSOCIATES3 | 2039 CENTRE POINTE BOULEVARD SUITE 203 TALLAHASSEE, FL 32308 | USABLE LIFE | $7K | — | $7K | 14.81% |
| JAMES CAMPBELL & ASSOCIATES3 | 2039 CENTRE POINTE BOULEVARD SUITE 203 TALLAHASSEE, FL 32308 | USABLE LIFE | $4K | — | $4K | 15.23% |
| JAMES CAMPBELL & ASSOCIATES3 | 2039 CENTRE POINTE BOULEVARD SUITE 203 TALLAHASSEE, FL 32308 | USABLE LIFE | $2K | — | $2K | 11.99% |
| JAMES CAMPBELL & ASSOCIATES3 | 2039 CENTRE POINTE BOULEVARD SUITE 203 TALLAHASSEE, FL 32308 | USABLE LIFE | $1K | — | $1K | 15.63% |
| JAMES CAMPBELL & ASSOCIATES3 | 2039 CENTRE POINTE BOULEVARD SUITE 203 TALLAHASSEE, FL 32308 | USABLE LIFE | $591 | — | $591 | 14.93% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METLIFE | $709 | $159 | $868 | — |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | METLIFE | — | $709 | $709 | — |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $384 | $87 | $471 | — |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BENEFIT ADMIN | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $384 | $384 | — |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METLIFE | $569 | $124 | $693 | — |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BENEFIT ADMIN | PO BOX 9201 AUSTIN, TX 78766 | METLIFE | — | $569 | $569 | — |
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 | 271 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 164 | $2.0M |
| Dental | FLORIDA COMBINED LIFE | 127 | $59K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 235 | $17K |
| Life insurance(2 contracts) | USABLE LIFE | 273 | $66K |
| Short-term disability | USABLE LIFE | 55 | $25K |
| Long-term disability | USABLE LIFE | 39 | $7K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 164 | $2.0M |
| Other(6 contracts, 3 carriers) | USABLE LIFE | 273 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 273 | — |
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."
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.