| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JOHN GEER COMPANY3 | 8960 BONNEVAL RD STE 100 JACKSONVILLE, FL 32216 | BLUE CROSS BLUE SHIELD OF FLORIDA | $40K | $0 | $40K | 3.00% |
| THE JOHN GEER COMPANY3 | 8960 BONNEVAL RD STE 100 JACKSONVILLE, FL 32216 | HEALTH OPTIONS, INC | $28K | $0 | $28K | 3.00% |
| THE JOHN GEER COMPANY3 | 8960 BONNEVAL RD STE 100 JACKSONVILLE, FL 32216 | STANDARD INSURANCE COMPANY | $13K | $0 | $13K | 10.51% |
| THE JOHN GEER COMPANY3 | 8960 BONNEVAL RD STE 100 JACKSONVILLE, FL 32216 | STANDARD INSURANCE COMPANY | $13K | — | $13K | 10.51% |
| THE JOHN GEER COMPANY3 | 8960 BONNEVAL RD STE 100 JACKSONVILLE, FL 32216 | STANDARD INSURANCE COMPANY | $8K | $0 | $8K | 16.00% |
| THE JOHN GEER COMPANY3 | 8960 BONNEVAL RD STE 100 JACKSONVILLE, FL 32216 | STANDARD INSURANCE COMPANY | $8K | $0 | $8K | 16.00% |
| THE JOHN GEER COMPANY3 | 8960 BONNEVAL RD STE 100 JACKSONVILLE, FL 32216 | STANDARD INSURANCE COMPANY | $7K | $0 | $7K | 15.00% |
| THE JOHN GEER COMPANY3 | 8960 BONNEVAL RD STE 100 JACKSONVILLE, FL 32216 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| THE JOHN GEER COMPANY3 | 8960 BONNEVAL RD STE 100 JACKSONVILLE, FL 32216 | STANDARD INSURANCE COMPANY | $7K | $0 | $7K | 15.99% |
| THE JOHN GEER COMPANY3 | 8960 BONNEVAL RD STE 100 JACKSONVILLE, FL 32216 | STANDARD INSURANCE COMPANY | $7K | $0 | $7K | 15.99% |
| THE JOHN GEER COMPANY3 | 8960 BONNEVAL RD STE 100 JACKSONVILLE, FL 32216 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.35% |
| THE JOHN GEER COMPANY3 | 8960 BONNEVAL RD STE 100 JACKSONVILLE, FL 32216 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 26.27% |
| THE JOHN GEER COMPANY3 | 8960 BONNEVAL RD STE 100 JACKSONVILLE, FL 32216 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 26.27% |
| THE JOHN GEER COMPANY3 | 8960 BONNEVAL RD STE 100 JACKSONVILLE, FL 32216 | STANDARD INSURANCE COMPANY | $418 | $0 | $418 | 15.01% |
| THE JOHN GEER COMPANY3 | 8960 BONNEVAL RD STE 100 JACKSONVILLE, FL 32216 | STANDARD INSURANCE COMPANY | $418 | — | $418 | 15.01% |
| THE JOHN GEER COMPANY3 | 8960 BONNEVAL RD STE 100 JACKSONVILLE, FL 32216 | STANDARD INSURANCE COMPANY | $270 | $0 | $270 | 17.68% |
| THE JOHN GEER COMPANY3 | 8960 BONNEVAL RD STE 100 JACKSONVILLE, FL 32216 | STANDARD INSURANCE COMPANY | $270 | — | $270 | 17.68% |
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 | 258 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 100 | $2.3M |
| Dental | STANDARD INSURANCE COMPANY | 177 | $119K |
| Vision | VISION SERVICE PLAN | 175 | $22K |
| Life insurance(2 contracts) | STANDARD INSURANCE COMPANY | 258 | $52K |
| Short-term disability | STANDARD INSURANCE COMPANY | 91 | $41K |
| Long-term disability | STANDARD INSURANCE COMPANY | 106 | $50K |
| Other(4 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 258 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.