| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVS INC | PO BOX 95287 CHICAGO, IL 60694 | THE HARTFORD | $87K | — | $87K | 26.78% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES-MACE BENEFITS GROUP INC | PO BOX 117163 ATLANTA, GA 30368 | THE STANDARD | — | $7K | $7K | 2.59% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES-MACE BENEFITS GROUP INC | PO BOX 117163 ATLANTA, GA 30368 | THE STANDARD | — | $5K | $5K | 2.64% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES-MACE BENEFITS GROUP INC | PO BOX 117163 ATLANTA, GA 30368 | THE STANDARD | — | $2K | $2K | 2.63% |
| VISION SERVICE PLAN | 3333 QUALITY DR RANCHO CORDOVA, CA 95670 | VISION SERVICE PLAN | — | $13K | $13K | 16.00% |
| FINN, DALE3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 13.52% |
| ESKRA & ASSOCIATES INC3 Filed as: ESKRA AND ASSOCIATES | 355 ALHAMBRA CIRCLE, STE 1550 CORAL GABLES, FL 33134 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 11.69% |
| TYLER, MICHAEL CHARLES3 | 4743 FOXTAIL PALM CT GREENACRES, FL 33463 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 6.41% |
| GALLAGHER BENEFIT SERVICES, INC.1 Filed as: GALLAGHER BENEFIT SVS - PALM BEACH | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | PREFERRED LEGAL PLAN | $3K | — | $3K | 20.40% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUE SHIELD OF FLORIDA EIN 59-2015694 PLAN SPONSOR | Contract Administrator Service code 13 | — | $574K |
| AETNA BEHAVIORAL HEALTH, LLC EIN 20-0446713 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 151 FARMINGTON AVENUE RSAA HARTFORD, CT 06156 | $33K |
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 | 1,057 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,057 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(6 contracts, 6 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,045 | $710K |
| Vision | VISION SERVICE PLAN | 855 | $79K |
| Life insurance(2 contracts, 2 carriers) | THE HARTFORD | 1,610 | $579K |
| Short-term disability | THE STANDARD | 1,610 | $181K |
| Long-term disability(2 contracts, 2 carriers) | THE STANDARD | 346 | $132K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD - FLORIDA BLUE | 1,063 | $810K |
| Other(2 contracts, 2 carriers) | THE HARTFORD | 1,339 | $341K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,610 | — |
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.