| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 501 RIVERSIDE AVENUE, SUITE 1000 JACKSONVILLE, FL 32202 | UNITEDHEALTHCARE INSURANCE COMPANY | $48K | $110K | $158K | 4.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 4TH FLOOR ROLLING MEADOWS, IL 60008 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $4K | $4K | 0.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | SUN LIFE ASSURANCE COMPANY OF CANADA | $28K | $4K | $32K | 14.79% |
| MJ INSURANCE3 Filed as: MARK A. LINSNER AND VARIOUS AGENTS | 10375 CENTURION PARKWAY NORTH SUITE 100 JACKSONVILLE, FL 32256 | AFLAC | $3K | $86 | $3K | 3.72% |
| SHELLIE GASKINS3 Filed as: SHELLIE L. GASKINS | 510 22ND STREET SAINT AUGUSTINE, FL 32084 | AFLAC | $2K | $173 | $2K | 2.56% |
| SALLY L PITTMAN3 Filed as: SALLY L. PITTMAN | 9372 COXWELL LANE JACKSONVILLE, FL 32221 | AFLAC | $2K | $11 | $2K | 2.04% |
| DENNIS PITTMAN3 | 9372 COXWELL LANE JACKSONVILLE, FL 32221 | AFLAC | $882 | $0 | $882 | 0.97% |
| THOMAS JAMES OLLER3 | 2410 SOUTHERN LINKS DRIVE FLEMING ISLAND, FL 32003 | AFLAC | $768 | $0 | $768 | 0.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 501 RIVERSIDE AVENUE, SUITE 1000 JACKSONVILLE, FL 32202 | AFLAC | $526 | $0 | $526 | 0.58% |
| KEGAN NICOLE GONZALEZ3 | 153 BLANDING BOULEVARD, SUITE 3 ORANGE PARK, FL 32073 | AFLAC | $500 | $0 | $500 | 0.55% |
| REBECCA J SMITH INC4 Filed as: REBECCA J. SMITH INC | 2557 MICHAELSON WAY JACKSONVILLE, FL 32223 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | $0 | $1K | 14.57% |
| BROOKE B. WARD4 | 2557 MICHAELSONWAY JACKSONVILLE, FL 32223 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $73 | $0 | $73 | 0.90% |
| KATHLEEN DEANNE NORTON LLC4 | 6050 GREEN POND DRIVE JACKSONVILLE, FL 32258 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $69 | $0 | $69 | 0.85% |
| LIVING LEGACY BENEFITS GROUP LLC4 | 12220 ATLANTIC BOULEVARD, SUITE 130 PMB 1148 JACKSONVILLE, FL 32225 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $27 | $0 | $27 | 0.33% |
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 | 317 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 318 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 683 | $3.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 683 | $3.9M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 683 | $3.9M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 410 | $215K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 410 | $215K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 410 | $215K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 683 | $3.9M |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 410 | $314K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 683 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.