| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMBINED INSURANCE SVCS OF N FL INC3 Filed as: COMBINED INSURANCE SERVICES OF N FL | 1403 E. BELMONT STREET PENSACOLA, FL 325014321 | BLUE CROSS BLUE SHIELD OF FLORIDA | $55K | — | $55K | 3.00% |
| COMBINED INSURANCE SERVICES3 | 1403 EAST BELMONT STREET PENSACOLA, FL 32501 | GUARDIAN | $35K | $5K | $41K | 13.58% |
| LEIGH ANNE WHITE3 | 2533 REDFORD DRIVE CANTONMENT, FL 32533 | AFLAC | $978 | $9 | $987 | 2.97% |
| JESSICA MARIE MUSACCHIA3 | 8118 TREETOP LANE PENSACOLA, FL 32514 | AFLAC | $939 | $25 | $964 | 2.90% |
| MICHELLE G POLLOCK3 | 5444 OAKMONT DR PACE, FL 32571 | AFLAC | $883 | $15 | $898 | 2.70% |
| BRIAN V ANDREWS3 Filed as: BRIAN VINCENT ANDREWS | 5728 TAMARACK DRIVE PACE, FL 32571 | AFLAC | $769 | $9 | $778 | 2.34% |
| COMBINED INSURANCE SVCS OF N FL INC3 Filed as: COMBINED INSURANCE SERVICES OF N FL | 1403 E BELMONT ST PENSACOLA, FL 32501 | AFLAC | $716 | — | $716 | 2.16% |
| M.E. WILSON COMPANY, LLC3 Filed as: M E WILSON CO LLC | 45 EGLIN PKWY NE STE 202 FORT WALTON BEACH, FL 32548 | AFLAC | $567 | — | $567 | 1.71% |
| REUBEN BYRD3 | 5648 BOOKER ST MILTON, FL 32570 | AFLAC | $328 | — | $328 | 0.99% |
| LARRY BURKHALTER3 | 6359 BUCKTHORN CIR MILTON, FL 32571 | AFLAC | $120 | — | $120 | 0.36% |
| RAUL RAMIREZ III3 | 5338 BARBAROSA RD GULF BREEZE, FL 32563 | AFLAC | $71 | — | $71 | 0.21% |
| ALICE E COMBS3 | 416 GREVE RD PENSACOLA, FL 32507 | AFLAC | $24 | — | $24 | 0.07% |
| LEO P TISA3 | P.O. BOX 898 GREENVILLE, SC 29607 | AFLAC | $24 | — | $24 | 0.07% |
| KERRY COLVIN3 | 1328 MILLER RD GREENVILLE, SC 29607 | AFLAC | $18 | — | $18 | 0.05% |
| JP INSURANCE SERVICE LLC3 | 7 BIRCHSTONE CT SIMPSONVILLE, SC 29606 | AFLAC | $17 | — | $17 | 0.05% |
| GUY V FURAY3 | P.O. BOX 5014 GREENVILLE, SC 29606 | AFLAC | $15 | — | $15 | 0.05% |
| JUSTIN M GUIDI3 | 10785 E GELDING DR SCOTTSDALE, AZ 85255 | AFLAC | $9 | — | $9 | 0.03% |
| COMBINED INSURANCE SVCS OF N FL INC3 Filed as: COMBINED INSURANCE SERVICES OF N FL | 1403 E BELMONT ST. PENSACOLA, FL 32501 | HARTFORD ACCIDENT AND LIFE INSURANCE COMPANY | $814 | — | $814 | 9.02% |
| TC BENEFITS GROUP3 | 1403 E. BELMONT STREET PENSACOLA, FL 32501 | MEDICAL AIR SERVICES ASSOCIATION, INC. | $2K | — | $2K | 26.41% |
| COMBINED INSURANCE SERVICES3 Filed as: COMBINED INSURANCE SERVICES, INC | 1403 E. BELMONT STREET PENSACOLA, FL 32501 | HEALTHIEST YOU | $849 | — | $849 | 15.00% |
| COMBINED INSURANCE SVCS OF N FL INC3 Filed as: COMBINED INSURANCE SERVICES OF NF | 1403 E BELMONT ST. PENSACOLA, FL 32501 | AMFIRST/UVP | $517 | — | $517 | 14.99% |
| MORGAN WHITE LIMITED3 | DBA MWG BROKER SERIVES P.O. BOX 14067 JACKSON, MS 392364067 | AMFIRST/UVP | $172 | — | $172 | 4.99% |
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 | 235 | 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) | 238 | 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 | 164 | $1.9M |
| Dental | GUARDIAN | 240 | $299K |
| Vision(2 contracts, 2 carriers) | GUARDIAN | 240 | $302K |
| Life insurance | GUARDIAN | 240 | $299K |
| Short-term disability | GUARDIAN | 240 | $299K |
| Long-term disability | GUARDIAN | 240 | $299K |
| Other(4 contracts, 4 carriers) | GUARDIAN | 240 | $345K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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.