| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 282896620 | SECURIAN LIFE INSURANCE COMPANY | $82K | — | $82K | 10.00% |
| COMBINED INSURANCE SERVICES3 | 1403 E. BELMONT ST PENSACOLA, FL 32501 | RELIASTAR LIFE INSURANCE COMPANY | $160K | — | $160K | 20.00% |
| MCGRIFF INSURANCE SERVICES INC3 | P O BOX 896620 CHALOTTE, NC 282896620 | PRUDENTIAL | $76K | — | $76K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 101 N CHERRY ST SUITE 500 WINSTON SALEM, NC 271014080 | PRUDENTIAL | $12K | — | $12K | 1.63% |
| AMWINS3 Filed as: AMWINS GROUP, STOP LOSS INS SERVICE | TWO GREENWAY PLAZA SUITE 405 HOUSTON, TX 77046 | GERBER LIFE INSURANCE COMPANY | $0 | $11K | $11K | 3.00% |
| COMBINED INSURANCE SERVICES3 | 2704 NORTH 12TH AVENUE PENSACOLA, FL 32503 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $32K | — | $32K | 10.01% |
| COMBINED INSURANCE SERVICES3 | 1403 E. BELMONT ST PENSACOLA, FL 32501 | RELIASTAR LIFE INSUANCE COMPANY | $64K | — | $64K | 20.00% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | SECURIAN LIFE INSURANCE COMPANY | $29K | — | $29K | 10.00% |
| COMBINED INSURANCE SERVICES3 | 1403 E. BELMONT ST PENSACOLA, FL 32501 | RELIASTAR LIFE INSURANCE COMPANY | $37K | — | $37K | 15.00% |
| COMBINED INSURANCE SERVICES3 | 1403 E. BELMONT ST PENSACOLA, FL 32501 | RELIASTAR LIFE INSURANCE COMPANY | $31K | — | $31K | 20.00% |
| TORGERSEN CAUSEY3 | 1403 EAST BELMONT STREET PENSACOLA, FL 32501 | EMPLOYEE SERVICES LLC | $5K | $69K | $74K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FLORIDA BLUE EIN 59-2015694 HEALTH BENEFITS TPA | Claims processing Service code 12 | 1442524 PENSACOLA, FL 32503 | $35.6M |
| EXPRESS SCRIPTS EIN 43-1420563 ADM&CLINV EXPRESS SCRIPT | Claims processing Service code 12 | — | $19.9M |
| DELTA DENTAL INSURANCE COMPANY EIN 94-2761537 DENTAL BENEFITS TPA | Claims processing Service code 12 | — | $0 |
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 | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,725 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | FLORIDA COMBINED LIFE | 3,131 | $64K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 5,017 | $323K |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 3,581 | $286K |
| Short-term disability | PRUDENTIAL | 3,687 | $756K |
| Long-term disability | PRUDENTIAL | 3,687 | $756K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 2,816 | $375K |
| Other(9 contracts, 7 carriers) | SECURIAN LIFE INSURANCE COMPANY | 4,476 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,017 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.