| 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 | $55K | $0 | $55K | 5.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | BLUE CROSS BLUE SHIELD OF FLORIDA | $20K | $0 | $20K | 5.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | FLORIDA COMBINED LIFE | $11K | $0 | $11K | 12.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4904 EISENHOWER BOULEVARD SUITE 250 TAMPA, FL 33634 | USABLE LIFE | $9K | $0 | $9K | 14.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.85% |
| MERITAIN HEALTH3 Filed as: AB ENROLLMENT SOLUTIONS | 1776 AHL DRIVE JACKSONVILLE, FL 32224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $987 | $0 | $987 | 2.96% |
| ENROLLMENT ALLIANCE LLC3 Filed as: ENROLLMENT ALLIANCE | 1302 NORTH 19TH STREET, SUITE 150 TAMPA, FL 33605 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $704 | $0 | $704 | 2.11% |
| JAMIE LEESMAN3 | 3030 NORTH ROCKY POINT DRIVE SUITE 150 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $349 | $0 | $349 | 1.05% |
| MJ INSURANCE3 Filed as: CRISTINA BRENNAN AND VARIOUS AGENTS | 18102 PORTSIDE STREET TAMPA, FL 33647 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $82 | $0 | $82 | 0.25% |
| JEANNE CARLONE3 | 573 SCRUBJAY LANE JUPITER, FL 33458 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $65 | $0 | $65 | 0.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SRVICES, INC. | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $33 | $33 | 0.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | VISION SERVICE PLAN | $1K | $0 | $1K | 9.15% |
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 | 168 | 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) | 168 | 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 | 202 | $88K |
| Vision | VISION SERVICE PLAN | 121 | $14K |
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 168 | $99K |
| Short-term disability | USABLE LIFE | 168 | $65K |
| Long-term disability | USABLE LIFE | 168 | $65K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 112 | $1.4M |
| Other(3 contracts, 3 carriers) | USABLE LIFE | 168 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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.