| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE INC | 1701 W GARDEN ST PENSACOLA, FL 32502 | CONTINENTAL AMERICAN INSURANCE COMPANY | $181K | — | $181K | 15.26% |
| COMBINED INSURANCE SVCS OF N FL INC3 Filed as: COMBINED INSURANCE SERVICES OF N FL | 2704 N 12TH AVE PENSACOLA, FL 32503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 0.26% |
| BRIAN V ANDREWS3 | 600 UNIVERSITY OFFICE PARK SUITE 12 PENSACOLA, FL 32504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.21% |
| JOHN C POLLOCK3 | 6410 GUILFORD DR PENSACOLA, FL 32504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.17% |
| LARRY BURKHALTER3 | 5316 SUSSEX LANE MILTON, FL 32571 | CONTINENTAL AMERICAN INSURANCE COMPANY | $206 | — | $206 | 0.02% |
| HOLLY ADAMS BUTCHER3 Filed as: HOLLY A BUTCHER | 600 UNIVERSITY OFFICE BLVD STE 12 PENSACOLA, FL 32504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $120 | — | $120 | 0.01% |
| JASON A BRADY3 | 4127 OAK POINTE DR GULF BREEZE, FL 32566 | CONTINENTAL AMERICAN INSURANCE COMPANY | $119 | — | $119 | 0.01% |
| RAUL RAMIREZ III3 | 5338 BARBARO SA RD GULF BREEZE, FL 32563 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| COMBINED INSURANCE SERVICES3 | 2704 NORTH 12TH AVENUE PENSACOLA, FL 32503 | AETNA | $39K | — | $39K | 4.36% |
| USI INSURANCE SERVICES LLC3 | 312 ELM ST 24TH FLOOR CINCINNATI, OH 45202 | AETNA | $4K | — | $4K | 0.49% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVCES LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | AETNA | $3K | — | $3K | 0.30% |
| COMBINED INSURANCE SERVICES5 | 2704 NORTH 12TH AVENUE PENSACOLA, FL 32503 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $20K | — | $20K | 10.00% |
| MOLTON ALLEN WILLAMS LLC3 Filed as: MOLTON, ALLEN, & WILLIAM, LLC | 1000 URBAN CENTER DR BIRMINGHAM, AL 35242 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $331 | — | $331 | 5.69% |
| DIRECTPATH, LLC3 | 120 18TH ST S SUITE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $331 | — | $331 | 5.69% |
| MOLTON ALLEN WILLAMS LLC3 Filed as: MOLTON, ALLEN, & WILLIAMS LLC | 1000 URBAN CENTER DRIVE BIRMINGHAM, AL 35242 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $298 | — | $298 | 6.38% |
| DIRECTPATH, LLC3 | 120 18TH ST S SUITE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $169 | — | $169 | 3.62% |
| MOLTON ALLEN WILLAMS LLC3 Filed as: MOLTON, ALLEN, & WILLIAMS, LLC | 1000 URBAN CENTER DR BIRMINGHAM, AL 35242 | PROVIDENT LIFE AND ACCDENT INSURANCE COMPANY | $112 | — | $112 | 3.87% |
| DIRECTPATH, LLC3 | 120 18TH ST S SUITE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCDENT INSURANCE COMPANY | $33 | — | $33 | 1.14% |
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 | 2,689 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,705 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 2,714 | $31.2M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 5,580 | $0 |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 4,240 | $198K |
| Life insurance(2 contracts, 2 carriers) | AETNA | 3,951 | $907K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,409 | $1.2M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,907 | $353K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 2,714 | $31.2M |
| Other(6 contracts, 6 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 3,951 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,580 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.