| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | BLUE CROSS BLUE SHIELD OF FLORIDA | $71K | — | $71K | 3.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | BLUE CROSS BLUE SHIELD OF FLORIDA | $19K | — | $19K | 3.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 600 HIGHWAY 169 SOUTH SUITE 1200 SAINT LOUIS PARK, MN 55426 | AETNA LIFE INSURANCE COMPANY | $12K | $836 | $13K | 8.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 3839 NW BOCA RATON BOULEVARD SUITE 200 BOCA RATON, FL 33431 | AETNA LIFE INSURANCE COMPANY | — | $67 | $67 | 0.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 601478 CHARLOTTE, NC 28260 | STANDARD INSURANCE COMPANY | $13K | — | $13K | 9.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 203066 DALLAS, TX 75320 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 0.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 301 SE OCEAN BOULEVARD, 1ST FLOOR STUART, FL 34994 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $6K | — | $6K | 6.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | AMERITAS LIFE INSURANCE CORPORATION | $3K | — | $3K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 5200 NORTH PALM AVENUE, SUITE 114 FRESNO, CA 93704 | AMERITAS LIFE INSURANCE CORPORATION | — | $1K | $1K | 3.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 203383 DALLAS, TX 75320 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $310 | $3K | 17.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 2937 REGENT BOULEVARD IRVING, TX 75063 | DELTA DENTAL OF KENTUCKY | $1K | — | $1K | 9.89% |
| BENEFITS TECHNOLOGIES LLC3 Filed as: BENEFITS TECHNOLOGIES | 2300 NW CORPORATE BOULEVARD SUITE 215 BOCA RATON, FL 33431 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $678 | — | $678 | 13.66% |
| HEATHER N. LECK3 | 80 NE 4TH AVENUE, SUITE 21 DELRAY BEACH, FL 33483 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $129 | — | $129 | 2.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 201629 DALLAS, TX 75320 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $96 | — | $96 | 1.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 100 NE 3RD AVENUE, SUITE 1050 FORT LAUDERDALE, FL 33301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $205 | $8K | — |
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 | 345 | 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) | 345 | 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 | 210 | $3.1M |
| Dental(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 438 | $203K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORPORATION | 411 | $51K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 232 | $158K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 232 | $158K |
| Prescription drug(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 210 | $3.1M |
| Other(4 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 232 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 438 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.