| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M L GLISSON & ASSOCIATES INC.3 Filed as: ML GLISSON & ASSOCIATES INC | 6148 53RD AVENUE EAST BRADENTON, FL 34203 | FLORIDA BLUE | $46K | — | $46K | 5.26% |
| M L GLISSON & ASSOCIATES INC.3 Filed as: M L GLISSON & ASSOC | 6148 53RD AVENUE EAST BRADENTON, FL 34203 | AMERICAN UNITED LIFE INSURANCE COMPANY INC | $29K | — | $29K | 15.76% |
| JASON FROMI3 | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $177 | — | $177 | 0.84% |
| ALLYN INCORPORATED3 | 14813 SEMINOLE TRAIL SEMINOLE, FL 33776 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 5.05% |
| PAT WILLIAMS INSURANCE CONSULTANTS3 | 18201 GULF BLVD REDINGTON SHORES, FL 33708 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.24% |
| SHIRLEY B DRAKE3 | 14141 46TH ST N CLEARWATER, FL 33762 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUE SHIELD OF FLORIDA EIN 59-2015694 NONE | Contract Administrator Service code 13 | — | $253K |
| HEALTH OPTIONS INC EIN 59-2403696 NONE | Contract Administrator Service code 13 | — | $24K |
| EMPLOYEE BENEFITS CORPORATION EIN 39-2044064 NONE | Claims processing; Contract Administrator Service code 12 | — | $4K |
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 | 386 | 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) | 386 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | FLORIDA COMBINED LIFE | 386 | $21K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY INC | 378 | $183K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY INC | 378 | $183K |
| Stop-loss / reinsurancereinsurance | FLORIDA BLUE | 383 | $875K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY INC | 378 | $183K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 386 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.