| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CECIL W. POWELL AND COMPANY3 Filed as: CECIL W. POWELL AND COMPANY, INC. | 219 NORTH NEWNAN STREET JACKSONVILLE, FL 32202 | BLUE CROSS BLUE SHIELD OF FLORIDA | $104K | $0 | $104K | 1.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 501 RIVERSIDE AVENUE, SUITE 1000 JACKSONVILLE, FL 32202 | BLUE CROSS BLUE SHIELD OF FLORIDA | $62K | $0 | $62K | 1.12% |
| CECIL W. POWELL AND COMPANY3 | 219 NORTH NEWNAN STREET JACKSONVILLE, FL 32202 | FLORIDA COMBINED LIFE | $15K | $0 | $15K | 4.96% |
| CECIL W. POWELL AND COMPANY3 | 219 NORTH NEWNAN STREET JACKSONVILLE, FL 32202 | SYMETRA LIFE INSURANCE COMPANY | $18K | $0 | $18K | 7.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 501 RIVERSIDE AVENUE, SUITE 1000 JACKSONVILLE, FL 32202 | SYMETRA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 2.90% |
| VOLICTY BENEFITS3 | 113 SILKY SULLIVAN WAY CANTON, GA 30115 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $31K | $0 | $31K | 23.30% |
| CECIL W. POWELL AND COMPANY3 | 219 NORTH NEWNAN STREET JACKSONVILLE, FL 32202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25K | $0 | $25K | 19.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.22% |
| LESLEE RAY3 | 2820 ADMIRALS WALK DRIVE WEST ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $457 | $0 | $457 | 0.35% |
| RYAN C. DURRENCE3 | 1550 CHELSEA PLACE ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $217 | $0 | $217 | 0.17% |
| DESTINY RAY3 | 2820 ADMIRALS WALK DRIVE WEST ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $81 | $0 | $81 | 0.06% |
| JOLITA RAY INSURANCE AGENCY3 | 6100 GREENLAND ROAD, SUITE 102 JACKSONVILLE, FL 32258 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | $0 | $14 | 0.01% |
| CECIL W. POWELL AND COMPANY3 Filed as: CECIL W. POWELL AND COMPANY, INC. | 219 NORTH NEWNAN STREET JACKSONVILLE, FL 32202 | BLUECROSS BLUESHIELD OF FLORIDA INC | $3K | $0 | $3K | 9.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 501 RIVERSIDE AVENUE, SUITE 1000 JACKSONVILLE, FL 32202 | BLUECROSS BLUESHIELD OF FLORIDA INC | $41 | $0 | $41 | 0.13% |
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 | 479 | 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) | 479 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 458 | $5.5M |
| Dental | FLORIDA COMBINED LIFE | 462 | $312K |
| Vision | BLUECROSS BLUESHIELD OF FLORIDA INC | 261 | $32K |
| Life insurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 479 | $382K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 479 | $251K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 479 | $251K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 458 | $5.5M |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 479 | $382K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 479 | — |
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.