| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TORGERSEN CAUSEY3 | 1403 E. BELMONT ST PENSACOLA, FL 325014321 | USABLE LIFE | $148K | — | $148K | 17.44% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $17K | $3K | $20K | 2.39% |
| TORGERSEN CAUSEY3 | 1403 E BELMONT ST PENSACOLA, FL 325014321 | USABLE LIFE | $59K | — | $59K | 8.73% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY #DC/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $13K | $3K | $16K | 2.39% |
| TORGERSEN CAUSEY3 | 1403 E BELMONT ST PENSACOLA, FL 325014321 | USABLE LIFE | $52K | — | $52K | 8.73% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $12K | $2K | $14K | 2.39% |
| COMBINED INSURANCE SERVICES3 | 2704 NORTH 12TH AVENUE PENSACOLA, FL 32503 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $35K | — | $35K | 10.00% |
| TORGERSEN CAUSEY3 | 1403 E BELMONT ST PENSACOLA, FL 325014321 | USABLE LIFE | $22K | — | $22K | 8.73% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BLUE SHEILD OF FORIDA | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $5K | $1K | $6K | 2.39% |
| COMBINED INSURANCE SERVICES3 | 1403 E. BELMONT ST PENSACOLA, FL 32501 | RELIASTAR LIFE INSUANCE COMPANY | $61K | — | $61K | 28.79% |
| COMBINED INSURANCE SERVICES3 | 1403 E. BELMONT ST PENSACOLA, FL 32501 | RELIASTAR LIFE INSURANCE COMPANY | $29K | — | $29K | 15.83% |
| COMBINED INSURANCE SERVICES3 | 1403 E. BELMONT ST PENSACOLA, FL 32501 | RELIASTAR LIFE INSURANCE COMPANY | $21K | — | $21K | 20.00% |
| TORGERSEN CAUSEY3 | 1403 EAST BELMONT STREET PENSACOLA, FL 32501 | EMPLOYEE SERVICES LLC | $4K | — | $4K | 5.00% |
| TORGERSEN CAUSEY3 | 1403 E BELMONT ST PENSACOLA, FL 325014321 | USABLE LIFE | $6K | — | $6K | 8.72% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $1K | $293 | $2K | 2.39% |
| TORGERSEN CAUSEY3 | 1403 E BELMONT ST PENSACOLA, FL 325014321 | USABLE LIFE | $6K | — | $6K | 8.73% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $1K | $252 | $2K | 2.39% |
| TORGERSEN CAUSEY3 | 1403 BELMONT ST PENSACOLA, FL 32501 | MEDICAL AIR SERVICES ASSOC OF FLORIDA INC | $9K | — | $9K | 20.00% |
| COMBINED INSURANCE SERVICES3 | DBA TORGERSEN CAUSEY 1403 E BELMONT STREET PENSACOLA, FL 32501 | METROPOLITAN GENERAL INSURANCE COMPANY | $7K | — | $7K | 15.74% |
| COMBINED INSURANCE SVCS OF N FL INC3 Filed as: COMBINED INSURANCE SERVICES OF NF | 1403 E BELONT ST PENSACOLA, FL 32501 | AMFIRST/UVP | $2K | — | $2K | 8.28% |
| MORGAN WHITE LIMITED3 | D/B/A/ MWG BROKER SERVICES P O BOX 14067 JACKSON, MS 392364067 | AMFIRST/UVP | $1K | — | $1K | 4.21% |
| AMWINS3 Filed as: AMWINS GROUP, STOP LOSS INS SERVICE | TWO GREENWAY PLAZA SUITE 405 HOUSTON, TX 77046 | GERBER LIFE INSURANCE COMPANY | — | — | $0 | — |
| COMBINED INSURANCE SERVICES3 Filed as: COMBINED INS SERVICES OF N FL | 2704 NORTH 12TH AVE PENSACOLA, FL 32503 | PRUDENTIAL | — | — | $0 | — |
| MCGRIFF INSURANCE SERVICES INC3 | P O BOX 896620 CHALOTTE, NC 282896620 | PRUDENTIAL | — | — | $0 | — |
| MCGRIFF INSURANCE SERVICES INC3 | 101 N CHERRY ST SUITE 500 WINSTON SALEM, NC 271014080 | PRUDENTIAL | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXPRESS SCRIPTS EIN 43-1420563 ADM&CLINV EXPRESS SCRIPT | Claims processing Service code 12 | — | $16.7M |
| WEBTPA EMPLOYER SERVICES INC EIN 75-2611444 WEBTPA EMPLOYER SERVICES | Claims processing Service code 12 | — | $852K |
| FLORIDA BLUE EIN 59-2015694 HEALTH BENEFITS TPA | Claims processing Service code 12 | 1442524 PENSACOLA, FL 32503 | $827K |
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 | 3,763 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,782 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | FLORIDA COMBINED LIFE | 2,984 | $66K |
| Vision(2 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 5,125 | $381K |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 0 | $0 |
| Short-term disability(3 contracts, 2 carriers) | USABLE LIFE | 1,141 | $920K |
| Long-term disability(2 contracts, 2 carriers) | USABLE LIFE | 3,574 | $674K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | LIBERTY INSURANCE UNDERWRITERS INC | 2,880 | $519K |
| Other(11 contracts, 8 carriers) | USABLE LIFE | 4,585 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,125 | — |
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.