| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RON SELLERS & ASSOCIATES INC3 Filed as: RON SELLERS AND ASSOCIATES | 300 AVENUE OF CHAMPIONS, SUITE 240 PALM BEACH GARDENS, FL 33418 | BLUE CROSS BLUE SHIELD OF FLORIDA | $82K | — | $82K | 4.16% |
| WELLS FARGO INSURANCE SERVICES3 | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | BLUE CROSS BLUE SHIELD OF FLORIDA | $16K | — | $16K | 0.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 80 NE 4TH AVENUE, SUITE 31 DEL RAY BEACH, FL 33483 | BLUE CROSS BLUE SHIELD OF FLORIDA | $19K | — | $19K | 3.72% |
| WELLS FARGO INSURANCE SERVICES3 | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | BLUE CROSS BLUE SHIELD OF FLORIDA | $7K | — | $7K | 1.28% |
| RON SELLERS & ASSOCIATES INC3 Filed as: RON SELLERS AND ASSOCIATES | 300 AVENUE OF CHAMPIONS, SUITE 240 PALM BEACH GARDENS, FL 33418 | AETNA LIFE INSURANCE COMPANY | $21K | — | $21K | 13.72% |
| WELLS FARGO INSURANCE SERVICES3 | 600 HIGHWAY 169 SOUTH SUITE 1200 SAINT LOUIS PARK, MN 55426 | AETNA LIFE INSURANCE COMPANY | $2K | — | $2K | 1.25% |
| RON SELLERS & ASSOCIATES INC3 Filed as: RON SELLERS AND ASSOCIATES | 300 AVENUE OF CHAMPIONS, SUITE 240 PALM BEACH GARDENS, FL 33418 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 7.70% |
| WELLS FARGO INSURANCE SERVICES3 | PO BOX 601478 CHARLOTTE, NC 28260 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 2.30% |
| WELLS FARGO INSURANCE SERVICES3 | 648 MONROE AVENUE, SUITE 300 GRAND RAPIDS, MI 49503 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $4K | — | $4K | 3.25% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $562 | $7K | 14.62% |
| WELLS FARGO INSURANCE SERVICES3 | 100 NE 3RD AVENUE, SUITE 1050 FORT LAUDERDALE, FL 33301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $56 | $1K | 2.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 80 NE 4TH AVENUE, SUITE 31 DEL RAY BEACH, FL 33483 | AMERITAS LIFE INSURANCE CORPORATION | $2K | — | $2K | 7.61% |
| WELLS FARGO INSURANCE SERVICES3 | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | AMERITAS LIFE INSURANCE CORPORATION | $774 | — | $774 | 2.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 10.14% |
| WELLS FARGO INSURANCE SERVICES3 | 6100 FAIRVIEW ROAD, SUTIE 800 CHARLOTTE, NC 28210 | SUN LIFE ASSURANCE COMPANY OF CANADA | $556 | — | $556 | 3.57% |
| WELLS FARGO INSURANCE SERVICES3 | PO BOX 203417 DALLAS, TX 75320 | DELTA DENTAL OF KENTUCKY | $704 | — | $704 | 6.77% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | DELTA DENTAL OF KENTUCKY | $313 | — | $313 | 3.01% |
| BENEFITS TECHNOLOGIES LLC3 Filed as: BENEFITS TECHNOLOGIES | 2300 NW CORPORATE BOULEVARD SUITE 215 BOCA RATON, FL 33431 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $443 | — | $443 | 10.11% |
| HEATHER N. LECK3 Filed as: HEATHER N. NECK | 80 NE 4TH AVENUE, SUITE 21 DELRAY BEACH, FL 33483 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $127 | — | $127 | 2.90% |
No Schedule C service providers reported on this filing.
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 | 341 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 350 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 213 | $2.6M |
| Dental(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 446 | $198K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORPORATION | 430 | $53K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 231 | $162K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 231 | $162K |
| Prescription drug(5 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 213 | $2.6M |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 231 | $212K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 446 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.