| 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* | $7K | — | $7K | 3.19% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS-SEE ATTACHED | — | AFLAC | $15K | $522 | $15K | 21.30% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS-SEE ATTACHED | — | AFLAC | $12K | $247 | $13K | 22.27% |
| FIRST FLORIDA INSURANCE BROKERS3 | 100 S. ASHLEY DRIVE SUITE 250 TAMPA, FL 33602 | STANDARD LIFE INSURANCE | $3K | — | $3K | 6.16% |
| NATIONAL AGENCY SOLUTIONS LLC3 Filed as: NATIONAL AGENCY SOLUTIONS, LLC | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $6K | — | $6K | 14.37% |
| 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 | 7.91% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS-SEE ATTACHED | — | AFLAC | $4K | $379 | $4K | 17.30% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS-SEE ATTACHED | — | AFLAC | $2K | $79 | $2K | 36.87% |
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 | 321 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 322 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY* | 308 | $220K |
| Dental | HUMANA INSURANCE COMPANY* | 308 | $220K |
| Vision | HUMANA INSURANCE COMPANY* | 308 | $220K |
| Life insurance | STANDARD LIFE INSURANCE | 502 | $46K |
| Other(7 contracts, 4 carriers) | AFLAC | 2,355 | $252K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,355 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.