| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | BLUE CROSS BLUE SHIELD OF FLORIDA | $24K | — | $24K | 3.34% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVENUE SUITE 1000 JACKSONVILLE, FL 32202 | BLUE CROSS BLUE SHIELD OF FLORIDA | $15K | — | $15K | 2.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | HEALTH OPTIONS | $12K | — | $12K | 2.79% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVENUE SUITE 1000 JACKSONVILLE, FL 32202 | HEALTH OPTIONS | $9K | — | $9K | 2.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 501 RIVERSIDE AVE, STE 1000 JACKSONVILLE, FL 322024941 | FLORIDA COMBINED LIFE | $11K | — | $11K | 11.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 501 RIVERSIDE AVENUE SUITE 1000 JACKSONVILLE, FL 32202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $93 | $3K | 14.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 W. GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $55 | $55 | 0.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $74 | $2K | 14.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 W. GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $49 | $49 | 0.33% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVENUE SUITE 1000 JACKSONVILLE, FL 32202 | EYEMED VISION CARE | $2K | — | $2K | 11.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 501 RIVERSIDE AVENUE SUITE 1000 JACKSONVILLE, FL 32202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $754 | $28 | $782 | 14.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 W. GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $15 | $15 | 0.28% |
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 | 95 | 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) | 95 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 77 | $1.2M |
| Dental | FLORIDA COMBINED LIFE | 147 | $98K |
| Vision | EYEMED VISION CARE | 227 | $14K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 84 | $5K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 34 | $15K |
| Prescription drug | HEALTH OPTIONS | 51 | $425K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 84 | $24K |
| 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.