| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FLAGLER FINANCIAL INC.3 Filed as: FLAGLER FINANCIAL INC | 12 OFFICE PARK DRIVE PALM COAST, FL 32137 | DELTA DENTAL | $49K | — | $49K | 2.50% |
| SUMMERLIN BENEFITS CONSULTING INC.3 | PO BOX 15436 CALLAHAN, FL 32011 | DELTA DENTAL | $49K | — | $49K | 2.50% |
| SUMMERLIN BENEFITS CONSULTING INC.3 Filed as: SUMMERLIN BENEFITS CONSULTING | PO BOX 1536 CALLAHAN, FL 32011 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $80K | $22K | $102K | 6.87% |
| FLAGLER FINANCIAL INC.3 Filed as: FLAGLER FINANCIAL INC | 12 OFFICE PARK DRIVE PALM COAST, FL 32137 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $80K | — | $80K | 5.41% |
| SUMMERLIN BENEFITS CONSULTING INC.3 Filed as: SUMMERLIN BENEFITS CONSULTING, INC. | PO BOX 1536 CALLAHAN, FL 32011 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $58K | $22K | $80K | 5.76% |
| FLAGLER FINANCIAL INC.3 Filed as: FLAGLER FINANCIAL, INC. | 13 OFFICE PARK DRIVE PALM COAST, FL 32137 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $58K | — | $58K | 4.17% |
| SUMMERLIN BENEFITS CONSULTING INC.3 | PO BOX1536 CALLAHAN, FL 32011 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $199K | $22K | $221K | 22.95% |
| FLAGLER FINANCIAL INC.3 | 12 OFFICE PARK DRIVE PALM COAST, FL 32137 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $20K | — | $20K | 2.07% |
| FLAGLER FINANCIAL INC.3 Filed as: FLAGLER FINANCIAL INC | 12 OFFICE PARK DRIVE PALM COAST, FL 32137 | DELTA DENTAL | $16K | — | $16K | 2.49% |
| SUMMERLIN BENEFITS CONSULTING INC.3 Filed as: SUMMERLIN BENEFITS CONSULTING INC | PO BOX 1536 CALLAHAN, FL 32011 | DELTA DENTAL | $16K | — | $16K | 2.49% |
| FLAGLER FINANCIAL INC.3 Filed as: FLAGLER BENEFIS | 12 OFFICE PARK DRIVE PALM COST, FL 32137 | COMBINED INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 2.05% |
| SUMMERLIN BENEFITS CONSULTING INC.3 Filed as: SUMMERLIN BENEFITS CONSULTING | PO BOX 1536 CALLAHAN, FL 32011 | COMBINED INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 2.05% |
| FLAGLER FINANCIAL INC.3 Filed as: FLAGLER BENEFITS | 12 OFFICE PARK DRIVE PALM COAST, FL 32137 | COMBINED INSURANCE COMPANY OF AMERICA | $22 | — | $22 | 1.72% |
| SUMMERLIN BENEFITS CONSULTING INC.3 Filed as: SUMMERLIN BENEFITS CONSULTING | PO BOX 1536 CALLAHAN, FL 32011 | COMBINED INSURANCE COMPANY OF AMERICA | $22 | — | $22 | 1.72% |
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 | 6,600 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 61 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,661 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL | 2,905 | $2.6M |
| Vision(2 contracts) | COMBINED INSURANCE COMPANY OF AMERICA | 7,619 | $306K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 6,660 | $1.5M |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 4,798 | $1.4M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 5,360 | $963K |
| Other(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 6,660 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,619 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.