| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | P O BOX 896620 CHALOTTE, NC 282896620 | PRUDENTIAL | $79K | — | $79K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 101 N CHERRY ST SUITE 500 WINSTON SALEM, NC 271014080 | PRUDENTIAL | $63K | — | $63K | 7.94% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 282896620 | SECURIAN LIFE INSURANCE COMPANY | $69K | — | $69K | 10.00% |
| COMBINED INSURANCE SERVICES3 | 1403 E. BELMONT ST PENSACOLA, FL 32501 | RELIASTAR LIFE INSURANCE COMPANY | $137K | — | $137K | 20.00% |
| COMBINED INSURANCE SERVICES3 | 2704 NORTH 12TH AVENUE PENSACOLA, FL 32503 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $34K | — | $34K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | SECURIAN LIFE INSURANCE COMPANY | $30K | — | $30K | 10.00% |
| COMBINED INSURANCE SERVICES3 | 1403 E. BELMONT ST PENSACOLA, FL 32501 | RELIASTAR LIFE INSUANCE COMPANY | $49K | — | $49K | 20.00% |
| AMWINS3 Filed as: AMWINS GROUP, STOP LOSS INS SERVICE | TWO GREENWAY PLAZA SUITE 405 HOUSTON, TX 77046 | GERBER LIFE INSURANCE COMPANY | — | $7K | $7K | 3.00% |
| COMBINED INSURANCE SERVICES3 | 1403 E. BELMONT ST PENSACOLA, FL 32501 | RELIASTAR LIFE INSURANCE COMPANY | $32K | — | $32K | 15.00% |
| COMBINED INSURANCE SERVICES3 | 1403 E. BELMONT ST PENSACOLA, FL 32501 | RELIASTAR LIFE INSURANCE COMPANY | $25K | — | $25K | 20.00% |
| TORGERSEN CAUSEY3 | 1403 EAST BELMONT STREET PENSACOLA, FL 32501 | EMPLOYEE SERVICES LLC | $3K | — | $3K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FLORIDA BLUE EIN 59-2015694 HEALTH BENEFITS TPA | Claims processing Service code 12 | 1442524 PENSACOLA, FL 32503 | $21.9M |
| DELTA DENTAL INSURANCE COMPANY EIN 94-2761537 DENTAL BENEFITS TPA | Claims processing Service code 12 | — | $103K |
| EXPRESS SCRIPTS EIN 43-1420563 ADMIN INV EXPRESS SCRIPT | Claims processing Service code 12 | — | $32K |
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 | 3,725 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,742 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 5,067 | $342K |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 3,597 | $302K |
| Short-term disability | PRUDENTIAL | 3,542 | $795K |
| Long-term disability | PRUDENTIAL | 3,542 | $795K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 2,878 | $245K |
| Other(8 contracts, 6 carriers) | SECURIAN LIFE INSURANCE COMPANY | 4,283 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,067 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.