| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYERS MUTUAL INC.3 Filed as: EMPLOYERS MUTUAL INC | 700 CENTRAL PARKWAY STUART, FL 34994 | FLORIDA COMBINED LIFE INSURANCE COMPANY | $16K | — | $16K | 3.72% |
| AON CONSULTING INC3 | 1001 BRICKELL BAY DRIVE 10TH FLOOR MIAMI, FL 331314937 | FLORIDA COMBINED LIFE INSURANCE COMPANY | $5K | — | $5K | 1.28% |
| SHANE CAMPBELL3 | FLORIDA BLUE 4800 DEERWOOD CAMPUS PARKWAY #DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE INSURANCE COMPANY | $488 | — | $488 | 0.11% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICE | 700 CENTRAL PARKWAY STUART, FL 34994 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $32K | — | $32K | 8.87% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 3.08% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICE | 700 CENTRAL PARKWAY STUART, FL 34994 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | — | $14K | 6.81% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 3.19% |
| EMPLOYERS MUTUAL INC.3 Filed as: EMPLOYERS MUTUAL INC | 700 CENTRAL PARKWAY STUART, FL 349943967 | HUMANA INSURANCE COMPANY | $6K | — | $6K | 8.15% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC - TAMPA | 29840 NETWORK PLACE CHICAGO, IL 606731298 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 2.76% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICE | 700 CENTRAL PARKWAY STUART, FL 34994 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 8.21% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 2.90% |
| EMPLOYERS MUTUA INC.3 | 700 CENTRAL PARKWAY STUART, FL 349943967 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6 | — | $6 | 9.84% |
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 | 642 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 655 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 5 | $61 |
| Dental | FLORIDA COMBINED LIFE INSURANCE COMPANY | 653 | $425K |
| Vision | HUMANA INSURANCE COMPANY | 517 | $77K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,228 | $361K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 886 | $211K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,228 | $401K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,228 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.