| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 7650 W COURTNEY CAMPBELL CSWY SUITE 1000 TAMPA, FL 336075952 | HEALTH OPTIONS, INC. | $41K | — | $41K | 5.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 7650 W COURTNEY CAMPBELL CSWY SUITE 1000 TAMPA, FL 336075952 | FLORIDA COMBINED LIFE | $3K | — | $3K | 6.78% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL LIFE & ACCIDENT INSURANCE | VARIOUS AGENTS - SEE ATTACHMENT PO BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $387 | $5K | 17.37% |
| AON CONSULTING INC3 | 7650 W COURTNEY CAMPBELL CSWY SUITE 1000 TAMPA, FL 336075952 | FLORIDA COMBINED LIFE | $889 | — | $889 | 9.99% |
| LINDSEY CRAWFORD3 | FLORIDA BLUE 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $36 | — | $36 | 0.40% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | VISION SERVICE PLAN | $873 | — | $873 | 9.83% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 7650 W COURTNEY CAMPBELL CSWY SUITE 1000 TAMPA, FL 336075952 | FLORIDA COMBINED LIFE | $947 | — | $947 | 10.85% |
| LINDSEY CRAWFORD3 | FLORIDA BLUE 4800 DEERWOOD CAMPUS PKWY, # DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $224 | — | $224 | 2.57% |
| GERALD THOMAS3 | FLORIDA BLUE 4800 DEERWOOD CAMPUS PKWY, # DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $40 | — | $40 | 0.46% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 7650 W. COURTNEY CAMPBELL CAUSEWAY SUITE 1000 TAMPA, FL 336075952 | HEALTH OPTIONS, INC. | $59 | — | $59 | 5.00% |
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 | 121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HEALTH OPTIONS, INC. | 121 | $814K |
| Dental(2 contracts) | FLORIDA COMBINED LIFE | 82 | $56K |
| Vision | VISION SERVICE PLAN | 89 | $9K |
| Life insurance | FLORIDA COMBINED LIFE | 147 | $9K |
| Prescription drug | HEALTH OPTIONS, INC. | 2 | $1K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 147 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.