| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $101K | — | $101K | 10.01% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 2400 E. COMMERCIAL BLVD. SUITE 600 FT. LAUDERDALE, FL 33308 | CONTINENTAL AMERICAN INSURANCE COMPANY | $59K | — | $59K | 5.85% |
| 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 | $4K | — | $4K | 0.42% |
| BRIAN V ANDREWS3 | 600 UNIVERSITY OFFICE PARK SUITE 12 PENSACOLA, FL 32504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.20% |
| JOHN C POLLOCK3 | 6410 GUILFORD DR PENSACOLA, FL 32504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.16% |
| LARRY BURKHALTER3 | 5316 SUSSEX LANE MILTON, FL 32571 | CONTINENTAL AMERICAN INSURANCE COMPANY | $165 | — | $165 | 0.02% |
| HOLLY ADAMS BUTCHER3 Filed as: HOLLY A BUTCHER | 600 UNIVERSITY OFFICE BLVD STE 12 PENSACOLA, FL 32504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $95 | — | $95 | 0.01% |
| JASON BRADY & ASSOCIATES, INC3 Filed as: JASON A BRADY & ASSOCIATES, INC. | 1050 EDGEWATER LANE GULF BREEZE, FL 32563 | CONTINENTAL AMERICAN INSURANCE COMPANY | $95 | — | $95 | 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 | $24K | — | $24K | 3.52% |
| USI INSURANCE SERVICES LLC3 | 312 ELM ST 24TH FLOOR CINCINNATI, OH 45202 | AETNA | $12K | — | $12K | 1.76% |
| COMBINED INSURANCE SVCS OF N FL INC3 Filed as: COMBINED INSURANCE SERVICES OF N.FL | 2704 NORTH 12TH AVENUE PENSACOLA, FL 32503 | AETNA LIFE INSURANCE COMPANY | $9K | — | $9K | 3.80% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INUSRANCE SERVICES LLC | 312 ELM STREET 24TH FLOOR CINCINNATI, OH 45202 | AETNA LIFE INSURANCE COMPANY | $5K | — | $5K | 1.90% |
| COMBINED INSURANCE SERVICES5 | 2704 NORTH 12TH AVENUE PENSACOLA, FL 32503 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $22K | — | $22K | 10.01% |
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 | 4,466 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 40 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,506 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 204 | $65K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 4,673 | $219K |
| Life insurance(4 contracts, 4 carriers) | AETNA | 3,498 | $993K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,675 | $1.0M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,886 | $432K |
| Other(4 contracts, 4 carriers) | AETNA | 3,498 | $993K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,673 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.