| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP INSURANCE SOLUTIONS, INC.3 | 18230 RIVER OAKS DRIVE JUPITER, FL 334583304 | BLUE CROSS BLUE SHIELD OF FLORIDA | $104K | — | $104K | 2.00% |
| GROUP INSURANCE SOLUTIONS, INC.3 Filed as: GROUP INSURANCE SOLUTIONS | 18230 RIVER OAKS DRIVE JUPITER, FL 334583304 | FLORIDA COMBINED LIFE INSURANCE COMPANY | $29K | — | $29K | 8.13% |
| GROUP INSURANCE SOLUTIONS, INC.3 Filed as: GROUP INSURANCE SOLUTIONS | 18230 RIVER OAKS DRIVE JUPITER, FL 33458 | CIGNA GROUP INSURANCE | $39K | — | $39K | 14.79% |
| GROUP INSURANCE SOLUTIONS, INC.3 | 18230 RIVER OAKS DRIVE JUPITER, FL 33458 | CIGNA GROUP INSURANCE | $20K | — | $20K | 15.00% |
| GROUP INSURANCE SOLUTIONS, INC.3 Filed as: GROUP INSURANCE SOLUTIONS | 18230 RIVER OAKS DRIVE JUPITER, FL 33458 | CIGNA GROUP INSURANCE | $9K | — | $9K | 10.00% |
| GROUP INSURANCE SOLUTIONS, INC.3 Filed as: GROUP INSURANCE SOLUTIONS | 18230 RIVER OAKS DRIVE JUPITER, FL 33458 | CIGNA GROUP INSURANCE | $2K | — | $2K | 10.00% |
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 | 408 | 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) | 408 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 346 | $5.2M |
| Dental | FLORIDA COMBINED LIFE INSURANCE COMPANY | 400 | $360K |
| Life insurance | CIGNA GROUP INSURANCE | 558 | $265K |
| Short-term disability | CIGNA GROUP INSURANCE | 319 | $89K |
| Long-term disability | CIGNA GROUP INSURANCE | 91 | $136K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 346 | $5.2M |
| Other | CIGNA GROUP INSURANCE | 408 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 558 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.