| 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 | $36K | — | $36K | 4.55% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | HEALTH OPTIONS | $7K | — | $7K | 0.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | BLUE CROSS BLUE SHIELD OF FLORIDA | $20K | — | $20K | 4.42% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD OF FLORIDA | $5K | — | $5K | 1.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | FLORIDA COMBINED LIFE | $8K | — | $8K | 10.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4904 EISENHOWER BLVD STE 250 TAMPA, FL 336346353 | USABLE LIFE | $4K | — | $4K | 13.37% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $286 | — | $286 | 0.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4904 EISENHOWER BOULEVARD SUITE 250 TAMPA, FL 33634 | USABLE LIFE | $3K | — | $3K | 13.51% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $188 | — | $188 | 0.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $1K | — | $1K | 8.36% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | VISION SERVICE PLAN | $120 | — | $120 | 0.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4904 EISENHOWER BLVD STE 250 TAMPA, FL 336346353 | USABLE LIFE | $2K | — | $2K | 13.37% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $123 | — | $123 | 0.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 4904 EISENHOWER BLVD STE 250 TAMPA, FL 336346353 | USABLE LIFE | $2K | — | $2K | 13.44% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $121 | — | $121 | 0.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 2056 VISTA PKWY STE 300 WEST PALM BEACH, FL 334116735 | FLORIDA COMBINED LIFE | $2K | — | $2K | 15.07% |
| AKA SOLUTIONS INC4 | 155 CONCHA DR SEBASTIAN, FL 32958 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $194 | — | $194 | 7.03% |
| KELLEY J RHEAULT4 | 155 CONCHA DR SEBASTIAN, FL 32958 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $64 | — | $64 | 2.32% |
| RODGER STRACHAN4 | 1155 NW 122ND TER PEMBROKE PINES, FL 33026 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $33 | — | $33 | 1.20% |
| JOHN BROADBENT4 | 4050 NE 1ST AVE, APT 218 OAKLAND PARK, FL 33334 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $25 | — | $25 | 0.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 4904 EISENHOWER BLVD STE 250 TAMPA, FL 336346353 | USABLE LIFE | $125 | — | $125 | 13.69% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $9 | — | $9 | 0.99% |
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 | 148 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 83 | $1.2M |
| Dental(2 contracts) | FLORIDA COMBINED LIFE | 98 | $90K |
| Vision | VISION SERVICE PLAN | 119 | $14K |
| Life insurance(2 contracts) | USABLE LIFE | 148 | $32K |
| Short-term disability | USABLE LIFE | 26 | $13K |
| Long-term disability | USABLE LIFE | 146 | $29K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 83 | $1.2M |
| Other(3 contracts, 2 carriers) | USABLE LIFE | 148 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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.