| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SRVCS, INC.-AAKH | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 322024941 | BLUE CROSS BLUE SHIELD OF FLORIDA | $122K | — | $122K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SRVCS, INC.-AAKH | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 322024941 | HEALTH OPTIONS, INC. | $24K | — | $24K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 95287 CHICAGO, IL 60694 | STANDARD INSURANCE COMPANY | $14K | $6K | $20K | 13.10% |
| CERIDIAN HCM INC3 | ATTN CUSTOMER #43318 PO BOX 772830 CHICAGO, IL 60677 | STANDARD INSURANCE COMPANY | $0 | $3K | $3K | 1.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 95287 CHICAGO, IL 60694 | STANDARD INSURANCE COMPANY | $4K | $3K | $7K | 21.31% |
| CERIDIAN HCM INC3 | ATTN CUSTOMER #43318 PO BOX 772830 CHICAGO, IL 60677 | STANDARD INSURANCE COMPANY | $0 | $1K | $1K | 3.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 95287 CHICAGO, IL 60694 | STANDARD INSURANCE COMPANY | $4K | $1K | $5K | 17.06% |
| CERIDIAN HCM INC3 | ATTN CUSTOMER #43318 PO BOX 772830 CHICAGO, IL 60677 | STANDARD INSURANCE COMPANY | $0 | $986 | $986 | 3.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 95287 CHICAGO, IL 60694 | STANDARD INSURANCE COMPANY | $3K | $3K | $6K | 22.86% |
| CERIDIAN HCM INC3 | ATTN CUSTOMER #43318 PO BOX 772830 CHICAGO, IL 60677 | STANDARD INSURANCE COMPANY | $0 | $856 | $856 | 3.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS, INC. JACKS | P. O. BOX 95287 CHICAGO, IL 606945287 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $2K | — | $2K | 8.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 95287 CHICAGO, IL 60694 | STANDARD INSURANCE COMPANY | $2K | $3K | $5K | 24.57% |
| CERIDIAN HCM INC3 | ATTN CUSTOMER #43318 PO BOX 772830 CHICAGO, IL 60677 | STANDARD INSURANCE COMPANY | $0 | $652 | $652 | 3.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 95287 CHICAGO, IL 60694 | STANDARD INSURANCE COMPANY | $9K | $2K | $11K | 95.80% |
| CERIDIAN HCM INC3 | ATTN CUSTOMER #43318 PO BOX 772830 CHICAGO, IL 60677 | STANDARD INSURANCE COMPANY | $0 | $469 | $469 | 4.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 95287 CHICAGO, IL 60694 | STANDARD INSURANCE COMPANY | $5K | $868 | $6K | 101.90% |
| CERIDIAN HCM INC3 | ATTN CUSTOMER #43318 PO BOX 772830 CHICAGO, IL 60677 | STANDARD INSURANCE COMPANY | $0 | $252 | $252 | 4.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 95287 CHICAGO, IL 60694 | STANDARD INSURANCE COMPANY | $532 | $0 | $532 | 12.47% |
| CERIDIAN HCM INC3 | ATTN CUSTOMER #43318 PO BOX 772830 CHICAGO, IL 60677 | STANDARD INSURANCE COMPANY | $0 | $140 | $140 | 3.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J GALLAGHER & CO | 2255 GLADES ROAD SUITE 240W BOCA RATON, FL 33431 | PREFERRED LEGAL | $1K | $0 | $1K | 29.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 95287 CHICAGO, IL 60694 | STANDARD INSURANCE COMPANY | $357 | $238 | $595 | 20.83% |
| CERIDIAN HCM INC3 | ATTN CUSTOMER #43318 PO BOX 772830 CHICAGO, IL 60677 | STANDARD INSURANCE COMPANY | $0 | $95 | $95 | 3.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 95287 CHICAGO, IL 60694 | STANDARD INSURANCE COMPANY | $2K | $386 | $3K | 97.98% |
| CERIDIAN HCM INC3 | ATTN CUSTOMER #43318 PO BOX 772830 CHICAGO, IL 60677 | STANDARD INSURANCE COMPANY | $0 | $117 | $117 | 4.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 95287 CHICAGO, IL 60694 | STANDARD INSURANCE COMPANY | $2K | $315 | $2K | 77.56% |
| CERIDIAN HCM INC3 | ATTN CUSTOMER #43318 PO BOX 772830 CHICAGO, IL 60677 | STANDARD INSURANCE COMPANY | $0 | $99 | $99 | 4.22% |
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 | 291 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 293 | 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 | 254 | $2.9M |
| Dental | STANDARD INSURANCE COMPANY | 313 | $152K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 421 | $25K |
| Life insurance(3 contracts) | STANDARD INSURANCE COMPANY | 142 | $63K |
| Short-term disability | STANDARD INSURANCE COMPANY | 65 | $30K |
| Long-term disability | STANDARD INSURANCE COMPANY | 53 | $20K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 254 | $2.9M |
| Other(8 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 142 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 421 | — |
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.