| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | HEALTH OPTIONS | $62K | $0 | $62K | 6.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | BLUE CROSS BLUE SHIELD OF FLORIDA | $24K | $0 | $24K | 6.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | FLORIDA COMBINED LIFE | $22K | $0 | $22K | 14.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 7.34% |
| MERITAIN HEALTH3 Filed as: AB ENROLLMENT SOLUTIONS FOR AETNA | 1776 AHL DRIVE JACKSONVILLE, FL 32224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.51% |
| ENROLLMENT ALLIANCE LLC3 Filed as: ENROLLMENT ALLIANCE | 1724 EAST 5TH AVENUE TAMPA, FL 33605 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $843 | $0 | $843 | 2.11% |
| LEESMAN JAMIE3 | 3030 NORTH ROCKY POINT DRIVE SUITE 150 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $441 | $0 | $441 | 1.10% |
| BRENNAN CRISTINA3 | 18102 PORTSIDE STREET TAMPA, FL 33647 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $114 | $0 | $114 | 0.28% |
| MJ INSURANCE3 Filed as: HYLTON ROBERT AND VARIOUS AGENTS | 6287 GARRETT STREET JUPITER, FL 33458 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $61 | $0 | $61 | 0.15% |
| CARLONE JEANNE3 | 573 SCRUBJAY LANE JUPITER, FL 33458 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $46 | $0 | $46 | 0.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | VISION SERVICE PLAN | $2K | $0 | $2K | 10.73% |
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 | 158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 112 | $1.4M |
| Dental | FLORIDA COMBINED LIFE | 175 | $146K |
| Vision | VISION SERVICE PLAN | 122 | $14K |
| Life insurance(2 contracts, 2 carriers) | FLORIDA COMBINED LIFE | 175 | $186K |
| Short-term disability | FLORIDA COMBINED LIFE | 175 | $146K |
| Long-term disability | FLORIDA COMBINED LIFE | 175 | $146K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 112 | $1.4M |
| Other(3 contracts, 3 carriers) | FLORIDA COMBINED LIFE | 175 | $190K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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.