| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $11K | $14K | $25K | 5.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 501 RIVERSIDE AVENUE, SUITE 1000 JACKSONVILLE, FL 32202 | FLORIDA COMBINED LIFE | $7K | $0 | $7K | 3.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 501 RIVERSIDE AVENUE, SUITE 1000 JACKSONVILLE, FL 32202 | HUMANA INSURANCE COMPANY | -$4K | $0 | -$4K | -9.47% |
| ROBERT HUNTER WHITTINGTON3 | 700 WEST HILLSBORO BOULEVARD BUILDING 2, SUITE 102 DEERFIELD BEACH, FL 33441 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 17.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 800 CAPITAL CIRCLE SE, UNIT 2 TALLAHASSEE, FL 32301 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $81 | $0 | $81 | 0.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2255 GLADES ROAD, SUITE 240W BOCA RATON, FL 33431 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $50 | $0 | $50 | 0.48% |
| US BENTEC WORKPLACE SOLUTIONS3 | 99 WOOD AVENUE SOUTH, SUITE 501 ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $45 | $0 | $45 | 0.43% |
| DOUGLAS THOMAS O'NEAL JR3 Filed as: DOUGLAS THOMAS O'NEAL, JR. | 7954 MOUNT RAINER DRIVE JACKSONVILLE, FL 32256 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $30 | $0 | $30 | 0.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $1 | $1 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 3.66% |
| THOMAS WALLACE JR3 Filed as: THOMAS WALLACE, JR. | 200 COUNTY ROAD 444 OXFORD, MS 38655 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.41% |
| UNKNOWN3 | UNKNOWN JACKSONVILLE, FL 32211 | PROFESSIONAL INSURANCE COMPANY | $7 | $0 | $7 | 4.14% |
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 | 636 | 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) | 636 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | FLORIDA COMBINED LIFE | 477 | $233K |
| Vision | HUMANA INSURANCE COMPANY | 380 | $47K |
| Life insurance | STANDARD INSURANCE COMPANY | 636 | $451K |
| Short-term disability | STANDARD INSURANCE COMPANY | 636 | $451K |
| Long-term disability | STANDARD INSURANCE COMPANY | 636 | $451K |
| Other(5 contracts, 5 carriers) | STANDARD INSURANCE COMPANY | 636 | $474K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 636 | — |
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.