| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 501 RIVERSDIE AVE, SUITE 1000 JACKSONVILLE, FL 32202 | FLORIDA BLUE | — | $204K | $204K | 1.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 501 RIVERSIDE AVENUE SUTIE 1000 JACKSONVILLE, FL 32202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $80K | — | $80K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $15K | $15K | 1.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 501 RIVERSIDE AVE, SUITE 1000 JACKSONVILLE, FL 32202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | — | $26K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 2.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 | P.O. BOX 95287 CHICAGO, IL 60694 | THE HARTFORD LIFE AND ACCIDENT | $79K | — | $79K | 64.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 322024941 | HUMANA INSURANCE COMPANY | $8K | — | $8K | 9.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLF ROAD, 4TH FL ROLLING MEADOWS, IL 600084050 | HUMANA INSURANCE COMPANY | — | $200 | $200 | 0.23% |
| REBECCA J SMITH INC4 | 2557 MICHAELSON WAY JACKSONVILLE, FL 322230737 | PRE-PAID LEGAL SERVICES INC, DBA LEGAL SHIELD | $121 | — | $121 | 8.26% |
| LIVING LEGACY BENEFITS GROUP LLC4 | STE 130, PMB 1148 12220 ATLANTIC BLVD. JACKSONVILLE, FL 322255826 | PRE-PAID LEGAL SERVICES INC, DBA LEGAL SHIELD | $31 | — | $31 | 2.12% |
| KATHLEEN DEANNE NORTON LLC4 Filed as: KATHLEEN DEANNE NORTON, LLC | 6050 GREEN POND DR JACKSONVILLE, FL 322581151 | PRE-PAID LEGAL SERVICES INC, DBA LEGAL SHIELD | $31 | — | $31 | 2.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLF RD, 4TH FL ROLLING MEADOWS, IL 600084050 | HUMANA DENTAL INSURANCE COMPANY | — | $400 | $400 | — |
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 | 841 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 80 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 921 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FLORIDA BLUE | 726 | $13.1M |
| Dental | HUMANA DENTAL INSURANCE COMPANY | 702 | $0 |
| Vision | HUMANA INSURANCE COMPANY | 609 | $86K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,785 | $797K |
| Prescription drug | FLORIDA BLUE | 726 | $13.1M |
| Stop-loss / reinsurancereinsurance | FLORIDA BLUE | 726 | $13.1M |
| Other(6 contracts, 5 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,785 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,785 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.