| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | SECURIAN LIFE INSURANCE COMPANY | $99K | — | $99K | 10.00% |
| SEE ATTACHED3 | P. O. BOX 427 COLUMBIA, SC 29202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $200K | — | $200K | 22.10% |
| MCGRIFF INSURANCE SERVICES INC3 | P. O. BOX 896620 CHARLOTTE, NC 282896620 | PRINCIPAL LIFE INSURANCE COMPANY | $70K | — | $70K | 10.00% |
| COMBINED INSURANCE SERVICES3 | 2704 NORTH 12TH AVENUE PENSACOLA, FL 32503 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $26K | — | $26K | 8.79% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FLORIDA BLUE EIN 59-2015694 HEALTH BENEFITS TPA | Claims processing Service code 12 | — | $1.2M |
| DELTA DENTAL INSURANCE COMPANY EIN 94-2761537 DENTAL BENEFITS TPA | Claims processing Service code 12 | — | $97K |
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 | 3,783 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 35 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,818 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 199 | $63K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 5,111 | $294K |
| Life insurance(3 contracts, 3 carriers) | SECURIAN LIFE INSURANCE COMPANY | 3,783 | $2.2M |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 2,100 | $905K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 3,534 | $697K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 2,929 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,111 | — |
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.