| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 500 NORTH BRAND BOULEVARD SUITE 100 GLENDALE, CA 91203 | STANDARD INSURANCE COMPANY | $18K | $16K | $34K | 5.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | STANDARD INSURANCE COMPANY | $18K | $16K | $34K | 5.82% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: US BENTEC WORKPLACE SOLUTIONS, LLC | 700 WEST HILLSBORO BOULEVARD BUILDING 2, SUITE 102 DEERFIELD BEACH, FL 33441 | STANDARD INSURANCE COMPANY | $12K | $0 | $12K | 1.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, SUITE 1000 ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $2K | $1K | $3K | 0.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 501 RIVERSIDE AVENUE, SUITE 1000 JACKSONVILLE, FL 32202 | FLORIDA COMBINED LIFE | $10K | $0 | $10K | 3.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 501 RIVERSIDE AVENUE, SUITE 1000 JACKSONVILLE, FL 32202 | HUMANA INSURANCE COMPANY | $4K | — | $4K | 6.77% |
| ROBERT HUNTER WHITTINGTON3 | 5550 GLADES ROAD, SUITE 308 BACO RATON, FL 33431 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $107 | $0 | $107 | 14.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $98 | $98 | 12.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2000 MORRIS AVENUE, SUITE 1400 BIRMINGHAM, AL 35203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $58 | $0 | $58 | 7.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2255 GLADES ROAD, SUITE 240W BOCA RATON, FL 33431 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17 | $0 | $17 | 2.25% |
| US BENTEC WORKPLACE SOLUTIONS3 | 99 WOOD AVENUE SOUTH, SUITE 501 ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | $0 | $4 | 0.53% |
| DOUGLAS THOMAS O'NEAL JR3 Filed as: DOUGLAS THOMAS ONEAL, JR. | 7954 MOUNT RANIER DRIVE JACKSONVILLE, FL 32256 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | $0 | $3 | 0.40% |
| UNKNOWN3 | UNKNOWN JACKSONVILLE, FL 32211 | PROFESSIONAL INSURANCE COMPANY | $2 | $0 | $2 | 3.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 4.76% |
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 | 810 | 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) | 810 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | FLORIDA COMBINED LIFE | 497 | $261K |
| Vision | HUMANA INSURANCE COMPANY | 427 | $56K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 810 | $592K |
| Short-term disability | STANDARD INSURANCE COMPANY | 810 | $591K |
| Long-term disability | STANDARD INSURANCE COMPANY | 810 | $591K |
| Other(5 contracts, 5 carriers) | STANDARD INSURANCE COMPANY | 810 | $604K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 810 | — |
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.