| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMBINED INSURANCE SERVICES3 | 2704 NORTH 12TH AVENUE PENSACOLA, FL 32503 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $45K | $45K | 2.06% |
| COMBINED INSURANCE SERVICES3 | 2704 NORTH 12TH AVENUE PENSACOLA, FL 32503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 5.32% |
| COMBINED INSURANCE SERVICES3 | 2704 NORTH 12TH AVENUE PENSACOLA, FL 32503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 15.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMBINED INSURANCE SVCS OF NORTH FL EIN 59-3733505 | Insurance agents and brokers Service code 22 | 2704 NORTH 12TH AVENUE PENSACOLA, FL 32503 | $45K |
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 | 429 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 429 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 429 | $2.2M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 138 | $288K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 138 | $288K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 138 | $214K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 429 | — |
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.