| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS CORP. | 4634 GULFSTARR DRIVE, SUITE 300 DESTIN, FL 32541 | BLUE CROSS BLUE SHIELD OF FLORIDA | $36K | $0 | $36K | 4.50% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS CORP. | 4634 GULFSTARR DRIVE, SUITE 300 DESTIN, FL 32541 | PRINCIPAL LIFE INSURANCE COMPANY | $25K | $2K | $27K | 14.48% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN, INC. | 19 WEST GARDEN STREET, SUITE 300 PENSACOLA, FL 32502 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $167 | $0 | $167 | 1.85% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS CORP. | 919 LAKE BALDWIN LANE, SUITE A ORLANDO, FL 32814 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $134 | $0 | $134 | 1.49% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19 | $0 | $19 | 0.21% |
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 | 192 | 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) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 78 | $811K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 290 | $184K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 290 | $184K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 290 | $193K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 290 | $193K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 290 | $193K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 78 | $811K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 290 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.