| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BARNES INSURANCE & FINANCIAL SERVIC3 Filed as: BARNES INSURANCE AND FIN SVCS., INC | 1582 AIRPORT BOULEVARD PENSACOLA, FL 32504 | BLUE CROSS BLUE SHIELD OF FLORIDA | $52K | $0 | $52K | 3.00% |
| BARNES INSURANCE & FINANCIAL SERVIC3 Filed as: BARNES INSURANCE AND FIN SVCS., INC | 1582 AIRPORT BOULEVARD PENSACOLA, FL 32504 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $29K | $3K | $32K | 13.72% |
| BARNES INSURANCE & FINANCIAL SERVIC3 Filed as: BARNES INSURANCE AND FIN SVCS., INC | 1582 AIRPORT BOULEVARD PENSACOLA, FL 32504 | TRULII | $2K | $0 | $2K | 3.00% |
| UNKNOWN3 | UNKNOWN PENSACOLA, FL 32504 | TELADOC HEALTH, INC. | $2K | $0 | $2K | 15.00% |
| BARNES INSURANCE & FINANCIAL SERVIC3 Filed as: BARNES INSURANCE AND FIN SVCS., INC | 1582 AIRPORT BOULEVARD PENSACOLA, GA 32504 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 36.15% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE UNDERWRITERS, INC. | 1800 JOHN F. KENNEDY BOULEVARD SUITE 700 PHILADELPHIA, PA 19103 | METROPOLITAN LIFE INSURANCE COMPANY | $38 | $0 | $38 | 0.38% |
| KEITH LEPACK3 Filed as: KEITH C. PFLIEGER | 15541 QUEENSFERRY DRIVE FORT MYERS, FL 33912 | METROPOLITAN LIFE INSURANCE COMPANY | $38 | $0 | $38 | 0.38% |
| ROBERT J MILLS3 Filed as: ROBERT J. MILLS | 127 MAGNOLIA DRIVE EAST PALATKA, FL 32131 | METROPOLITAN LIFE INSURANCE COMPANY | $12 | $0 | $12 | 0.12% |
| ELWYN D GUERNSEY3 Filed as: ELWYN D. GUERNSEY | 6704 PLANTATION ROAD, SUITE A PENSACOLA, FL 32504 | METROPOLITAN LIFE INSURANCE COMPANY | $12 | $0 | $12 | 0.12% |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 132 | $1.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 132 | $232K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 132 | $232K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 132 | $232K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 132 | $232K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 132 | $242K |
| Prescription drug(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 132 | $1.8M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 365 | $249K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 365 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.