| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUMMERLIN BENEFITS CONSULTING INC.3 Filed as: SUMMERLIN BENEFITS CONSULTING | PO BOX 1536 CALLAHAN, FL 32011 | DELTA DENTAL INSURANCE COMPANY | $112K | — | $112K | 5.00% |
| SUMMERLIN BENEFITS CONSULTING INC.3 | PO BOX 1536 CALLAHAN, FL 32011 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $112K | $11K | $123K | 7.06% |
| FLAGLER FINANCIAL INC.3 | 12 OFFICE PARK DRIVE PALM COAST, FL 32137 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $112K | — | $112K | 6.43% |
| SUMMERLIN BENEFITS CONSULTING INC.3 | PO BOX 1536 CALLAHAN, FL 32011 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $81K | $6K | $87K | 5.37% |
| FLAGLER FINANCIAL INC.3 | 12 OFFICE PARK DRIVE PALM COAST, FL 32137 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $81K | — | $81K | 5.01% |
| SUMMERLIN BENEFITS CONSULTING INC.3 | PO BOX 1536 CALLAHAN, FL 32011 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $30K | $8K | $38K | 3.13% |
| FLAGLER FINANCIAL INC.3 | 12 OFFICE PARK DRIVE PALM COAST, FL 32137 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $30K | — | $30K | 2.50% |
| SUMMERLIN BENEFITS CONSULTING INC.3 | PO BOX 1536 CALLAHAN, FL 32011 | DELTA DENTAL INSURANCE COMPANY | $14K | — | $14K | 2.50% |
| FLAGLER FINANCIAL INC.3 | 12 OFFICE PARK DRIVE PALM COAST, FL 32137 | DELTA DENTAL INSURANCE COMPANY | $14K | — | $14K | 2.50% |
| FLAGLER FINANCIAL INC.3 | PO BOX 128 BUNNELL, FL 32110 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $34K | — | $34K | 6.89% |
| SUMMERLIN BENEFITS CONSULTING INC.3 | PO BOX 1536 CALLAHAN, FL 32011 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28K | — | $28K | 5.70% |
| PETER J MACE3 Filed as: PETER MACE | 5775 D GLENRIDGE DR STE 350 ATLANTA, GA 30328 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 0.41% |
| FLAGLER FINANCIAL INC.3 | 12 OFFICE PARK DRIVE PALM COAST, FL 32137 | EYEMED VISION CARE | $9K | — | $9K | 2.59% |
| SUMMERLIN BENEFITS CONSULTING INC.3 | PO BOX 1536 CALLAHAN, FL 32011 | EYEMED VISION CARE | $9K | — | $9K | 2.59% |
| FLAGLER FINANCIAL INC.3 | PO BOX 128 BUNNELL, FL 32110 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17K | — | $17K | 6.95% |
| SUMMERLIN BENEFITS CONSULTING INC.3 | PO BOX 1536 CALLAHAN, FL 32011 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14K | — | $14K | 5.41% |
| PETER J MACE3 Filed as: PETER MACE | 5775 D GLENRIDGE DR STE 350 ATLANTA, GA 30328 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 0.45% |
| FLAGLER FINANCIAL INC.3 Filed as: FLAGLER COUNTY INSURANCE AGENCY INC | 406 EAST MOODY BLVD BUNNELL, FL 32110 | ARAG INSURANCE COMPANY | $13K | — | $13K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 MED/RX ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $2.6M |
| PAY FLEX EIN 91-1774434 FSA ADMINISTRATOR | Claims processing Service code 12 | — | $101K |
| AP BENEFIT ADVISORS, LLC EIN 30-0837157 BROKER ADMINISTRATOR | Contract Administrator Service code 13 | — | $71K |
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 | 7,984 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 43 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 314 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,341 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL INSURANCE COMPANY | 3,573 | $2.8M |
| Vision | EYEMED VISION CARE | 4,281 | $353K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 7,984 | $1.7M |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 5,081 | $1.6M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 5,910 | $1.2M |
| Other(5 contracts, 4 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 7,984 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,984 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.