| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMBINED INSURANCE SERVICES3 Filed as: COMBINED INSURANCE SERVICE OF N FL | 2704 N 12TH AVE PENSACOLA, FL 32503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $205K | — | $205K | 15.80% |
| BRIAN ANDREWS3 | 600 UNIVERSITY OFFICE PARK SUITE 12 PENSACOLA, FL 32504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.09% |
| JOHN C POLLOCK3 | 6410 GUILFORD DRIVE PENSACOLA, FL 32504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.08% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 2400 E COMMERCIAL BLVD SUITE 600 FT LAUDERDALE, FL 33308 | CONTINENTAL AMERICAN INSURANCE COMPANY | $90 | — | $90 | 0.01% |
| LARRY BURKHALTER3 | 5316 SUSSEX LANE MILTON, FL 32571 | CONTINENTAL AMERICAN INSURANCE COMPANY | $76 | — | $76 | 0.01% |
| JASON BRADY & ASSOCIATES, INC3 Filed as: JASON BRADY & ASSOCIATES | 1050 EDGEWATER LANE GULF BREEZE, FL 32563 | CONTINENTAL AMERICAN INSURANCE COMPANY | $44 | — | $44 | 0.00% |
| HOLLY ADAMS BUTCHER3 Filed as: HOLLY A BUTCHER | 600 UNIVERSITY OFFICE PARK SUITE 12 PENSACOLA, FL 32504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43 | — | $43 | 0.00% |
| RAUL RAMIREZ III3 | 5338 BARBARO SA RD GULF BREEZE, FL 32563 | CONTINENTAL AMERICAN INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 282896620 | SECURIAN LIFE INSURANCE COMPANY | $70K | — | $70K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | SECURIAN LIFE INSURANCE COMPANY | $33K | — | $33K | 10.00% |
| GERBER LIFE INSURANCE COMPANY3 | 100 FRONT STREET WORCESTER, MA 01608 | GERBER LIFE INSURANCE COMPANY | — | $9K | $9K | 3.00% |
| COMBINED INSURANCE SERVICES3 | 2704 NORTH 12TH AVENUE PENSACOLA, FL 32503 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $30K | — | $30K | 10.71% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FLORIDA BLUE EIN 59-2015694 HEALTH BENEFITS TPA | Claims processing Service code 12 | 1442524 PENSACOLA, FL 32503 | $1.4M |
| DELTA DENTAL INSURANCE COMPANY EIN 94-2761537 DENTAL BENEFITS TPA | Claims processing Service code 12 | — | $111K |
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 | 3,788 | 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) | 3,823 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 5,375 | $280K |
| Life insurance(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 3,788 | $1.6M |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 2,125 | $1.3M |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 0 | $0 |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 3,075 | $284K |
| Other(5 contracts, 5 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 3,769 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,375 | — |
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.