| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST FLORIDA INSURANCE BROKERS3 | 100 S ASHLEY DRIVE SUITE 250 TAMPA, FL 33602 | HUMANA INSURANCE COMPANY* | $69K | — | $69K | 3.91% |
| FIRST FLORIDA INSURANCE BROKERS3 | 100 S. ASHLEY DRIVE SUITE 250 TAMPA, FL 33602 | STANDARD LIFE INSURANCE | $3K | — | $3K | 6.73% |
| THE SOUTHERN REGION LLC3 Filed as: THE SOUTHERN REGION, LLC | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $5K | — | $5K | 14.42% |
| FIRST FLORIDA INS BROKERS LLC3 Filed as: FIRST FLORIDA INSURANCE BROKER | 100 S. ASHLEY DR STE 250 TAMPA, FL 33602 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | — | $3K | 7.94% |
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 | 345 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 347 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY* | 303 | $1.8M |
| Dental | HUMANA INSURANCE COMPANY* | 303 | $1.8M |
| Vision | HUMANA INSURANCE COMPANY* | 303 | $1.8M |
| Life insurance | STANDARD LIFE INSURANCE | 506 | $48K |
| Other(2 contracts, 2 carriers) | STANDARD LIFE INSURANCE | 506 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 506 | — |
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.