| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CECIL W. POWELL AND COMPANY3 | 219 N. NEWMAN STREET JACKSONVILLE, FL 322023227 | BLUE CROSS BLUE SHIELD OF FLORIDA | $100K | — | $100K | 4.00% |
| CECIL W POWELL & COMPANY3 Filed as: CECIL W. POWELL & CO | P.O. DRAWER 41490 219 N. NEWMAN STREET JACKSONVILLE, FL 32202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | — |
| CECIL W POWELL & COMPANY3 Filed as: CECIL W. POWELL & CO | P.O. DRAWER 41490 219 N. NEWMAN STREET JACKSONVILLE, FL 32202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | — |
| CECIL W POWELL & COMPANY3 Filed as: CECIL W. POWELL & CO | P.O. DRAWER 41490 219 N. NEWMAN STREET JACKSONVILLE, FL 32202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | — |
| CECIL W POWELL & COMPANY3 Filed as: CECIL W. POWELL & CO. | P.O. DRAWER 41490 219 N. NEWMAN STREET 32202 JACKSONVILLE, FL 32203 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | — |
| CECIL W. POWELL AND COMPANY3 Filed as: CECIL W. POWELL AND CO. | P.O. BOX 41490 JACKSONVILLE, FL 322031490 | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | — | $9K | $9K | — |
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 | 208 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 207 | $2.5M |
| Dental | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | 208 | $0 |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 184 | $0 |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 207 | $2.5M |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 205 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.