| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4904 EISENHOWER BLVD STE 250 TAMPA, FL 33634 | BLUE CROSS BLUE SHIELD OF FLORIDA | $154K | — | $154K | 5.47% |
| PRIME GROUP INSURANCE SERVICES, INC3 | 5215 W LAUREL ST STE 100 TAMPA, FL 33607 | BLUE CROSS BLUE SHIELD OF FLORIDA | $15K | — | $15K | 0.53% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT & BENEFITS | 9370 SKY PARK CT STE 250 SAN DIEGO, CA 92123 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | — | $19K | 8.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 N BRAND BOULEVARD FL 6 GLENDALE, CA 91203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 4.07% |
| PRIMEGROUP INSURANCE SERVICES3 Filed as: PRIMEGROUP INS SERVICES INC | 5215 W LAUREL ST STE 100 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 2.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 736 S STONE AVE LA GRANGE, IL 60525 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 0.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 505 NORTH BRAND BOULEVARD GLENDALE, CA 91203 | EYEMED | $3K | — | $3K | 9.71% |
| GALLAGHER BENEFIT SERVICES, INC.3 | — | DELTA DENTAL INSURANCE COMPANY | $751 | — | $751 | 10.00% |
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 | 892 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 895 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 280 | $2.8M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 555 | $8K |
| Vision | EYEMED | 435 | $26K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 845 | $238K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 845 | $238K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 845 | $238K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 845 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.