| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | JAMES CARR 501 RIVERSIDE AVE, SUITE 1000 JACKSONVILLE, FL 32202 | HEALTH OPTIONS, INC. | $41K | — | $41K | 2.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 501 RIVERSIDE AVENUE, SUITE 1000 SUITE 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% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1060 BROADWAY SUITE 400 ALBANY, NY 12204 | THE GUARDIAN LIFE INSURANCE CONMPANY OF AMERICA | $8K | — | $8K | 13.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | THE GUARDIAN LIFE INSURANCE CONMPANY OF AMERICA | $440 | — | $440 | 0.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 | JAMES CARR 501 RIVERSIDE AVE, SUITE 1000 JACKSONVILLE, FL 32202 | BLUE CROSS BLUE SHIELD OF FLORIDA | $1K | — | $1K | 2.00% |
| REBECCA J SMITH INC4 Filed as: REBECCA J SMITH | 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 | 6050 GREEN POND DR JACKSONVILLE, FL 322581151 | PRE-PAID LEGAL SERVICES INC. DBA LEGAL SHIELD | $31 | — | $31 | 2.12% |
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 | 110 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 155 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 92 | $2.1M |
| Dental | THE GUARDIAN LIFE INSURANCE CONMPANY OF AMERICA | 88 | $56K |
| Vision | THE GUARDIAN LIFE INSURANCE CONMPANY OF AMERICA | 88 | $56K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,258 | $797K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 92 | $2.1M |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,258 | $802K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,258 | — |
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."
No prospect flags tripped on this filing.