| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMPASS CONSULTING GROUP INC3 Filed as: COMPASS CONSULTING GROUP,LLC | 4348 SOUTHPOINT BLVD JACKSONVILLE, FL 32216 | AMERIHEALTH INS. CO. | $122K | — | $122K | 4.94% |
| COMPASS CONSULTING GROUP INC Filed as: COMPASS CONSULTING GROUP,LLC | 4348 SOUTHPOINT BLVD JACKSONVILLE, FL 32216 | INDEPENDENCE BLUE CROSS | — | — | $0 | 0.00% |
| CLEAR INSURANCE SERVICES LLC3 Filed as: CLEAR INSURANCE SERVICES,LLC | 2080 CABOT BLVD ,SUITE 202 LANGHORNE, PA 19047 | METROPOLITAN INSURANCE COMPANY | $98K | — | $98K | 10.99% |
| COMPASS CONSULTING GROUP INC Filed as: COMPASS CONSULTING GROUP,LLC | 4348 SOUTHPOINT BLVD JACKSONVILLE, FL 32216 | INDEPENDENCE BLUE CROSS | — | — | $0 | 0.00% |
| COMPASS CONSULTING GROUP INC Filed as: COMPASS CONSULTING GROUP,LLC | 4348 SOUTHPOINT BLVD JACKSONVILLE, FL 32216 | INDEPENDENCE BLUE CROSS | — | — | $0 | 0.00% |
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 | 964 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 978 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | AMERIHEALTH INS. CO. | 370 | $4.7M |
| Dental | METROPOLITAN INSURANCE COMPANY | 900 | $890K |
| Vision | METROPOLITAN INSURANCE COMPANY | 900 | $890K |
| Life insurance | METROPOLITAN INSURANCE COMPANY | 900 | $890K |
| Short-term disability | METROPOLITAN INSURANCE COMPANY | 900 | $890K |
| Prescription drug(2 contracts, 2 carriers) | AMERIHEALTH INS. CO. | 367 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 900 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.