| 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 | $51K | $0 | $51K | 5.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | BLUE CROSS BLUE SHIELD OF FLORIDA | $21K | $0 | $21K | 5.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | FLORIDA COMBINED LIFE | $7K | $0 | $7K | 8.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4904 EISENHOWER BOULEVARD SUITE 250 TAMPA, FL 33634 | USABLE LIFE | $14K | $0 | $14K | 21.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.43% |
| MERITAIN HEALTH3 Filed as: AB ENROLLMENT SOLUTIONS FOR AETNA | 1776 AHL DRIVE JACKSONVILLE, FL 32224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $654 | $0 | $654 | 2.46% |
| JAMIE LEESMAN3 | 3030 NORTH ROCKY POINT DRIVE SUITE 150 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $340 | $0 | $340 | 1.28% |
| ENROLLMENT ALLIANCE LLC3 Filed as: ENROLLMENT ALLIANCE | 1302 NORTH 19TH STREET, SUITE 150 TAMPA, FL 33605 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $145 | $0 | $145 | 0.55% |
| MJ INSURANCE3 Filed as: JEANNE CARLONE AND VARIOUS AGENTS | 573 SCRUBJAY LANE JUPITER, FL 33458 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $83 | $0 | $83 | 0.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $74 | $74 | 0.28% |
| CRISTINA BRENNAN3 | 18102 PORTSIDE STREET TAMPA, FL 33647 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $68 | $0 | $68 | 0.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $2K | $0 | $2K | 10.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $775 | $0 | $775 | 7.45% |
| SAMUEL R MORRIS JR3 Filed as: SAMUEL R. MORRIS, JR. | 1776 AHL DRIVE JACKSONVILLE, FL 32224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $377 | $0 | $377 | 3.63% |
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 | 161 | 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) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 104 | $1.3M |
| Dental | FLORIDA COMBINED LIFE | 185 | $86K |
| Vision | VISION SERVICE PLAN | 112 | $14K |
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 158 | $94K |
| Short-term disability | USABLE LIFE | 158 | $67K |
| Long-term disability | USABLE LIFE | 158 | $67K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 104 | $1.3M |
| Other(4 contracts, 3 carriers) | USABLE LIFE | 169 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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.