| 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 | $129K | — | $129K | 11.51% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 2400 E. COMMERCIAL BLVD. SUITE 600 FT. LAUDERDALE, FL 33308 | CONTINENTAL AMERICAN INSURANCE COMPANY | $86K | — | $86K | 7.67% |
| BRIAN V ANDREWS3 | 600 UNIVERSITY OFFICE PARK SUITE 12 PENSACOLA, FL 32504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.16% |
| JOHN C POLLOCK3 | 6410 GUILFORD DR PENSACOLA, FL 32504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.13% |
| LARRY BURKHALTER3 | 5316 SUSSEX LANE MILTON, FL 32571 | CONTINENTAL AMERICAN INSURANCE COMPANY | $135 | — | $135 | 0.01% |
| JASON BRADY & ASSOCIATES, INC3 Filed as: JASON A BRADY & ASSOCIATES, INC. | 1050 EDGEWATER LANE GULF BREEZE, FL 32563 | CONTINENTAL AMERICAN INSURANCE COMPANY | $79 | — | $79 | 0.01% |
| JASON BRADY & ASSOCIATES, INC3 Filed as: JASON BRADY & ASSOCIATES INC | 6410 EDGEWATER LANE GULF BREEXE, FL 32563 | CONTINENTAL AMERICAN INSURANCE COMPANY | $79 | — | $79 | 0.01% |
| HOLLY ADAMS BUTCHER3 Filed as: HOLLY A BUTCHER | 600 UNIVERSITY OFFICE BLVD STE 12 PENSACOLA, FL 32504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $78 | — | $78 | 0.01% |
| RAUL RAMIREZ III3 | 5338 BARBARO SA RD GULF BREEZE, FL 32563 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| COMBINED INSURANCE SERVICES3 | 2704 NORTH 12TH AVENUE PENSACOLA, FL 32503 | AETNA | $29K | — | $29K | 3.64% |
| USI INSURANCE SERVICES LLC3 | 312 ELM ST 24TH FLOOR CINCINNATI, OH 45202 | AETNA | $15K | — | $15K | 1.82% |
| COMBINED INSURANCE SERVICES5 | 2704 NORTH 12TH AVENUE PENSACOLA, FL 32503 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $23K | — | $23K | 10.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 28289 | SECURIAN LIFE INSURANCE COMPANY | $12K | — | $12K | 10.00% |
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 | 2,911 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,926 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 2,930 | $39.3M |
| Dental(2 contracts) | DELTA DENTAL INSURANCE COMPANY | 6,582 | $1.2M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 4,895 | $228K |
| Life insurance(4 contracts, 4 carriers) | AETNA | 5,456 | $987K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,908 | $1.1M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,192 | $447K |
| Other(3 contracts, 3 carriers) | AETNA | 3,508 | $866K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,582 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.