| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEASIDE INSURANCE INC3 Filed as: SEASIDE INSURANCE EXPERIENCE RATED | 201 S ORANGE AVE STE 250 ORLANDO, FL 32801 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $58K | — | $58K | 1.76% |
| SEASIDE INSURANCE INC3 Filed as: SEASIDE INSURANCE NON-EXPERIENCE RT | 201 S ORANGE AVE STE 250 ORLANDO, FL 32801 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | — | $9K | 0.29% |
| THE VAUGHN GROUP EXPERIENCE RATED3 | PO BOX 532017 ORLANDO, FL 328532017 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | — | $6K | 0.19% |
| VAUGHN GROUP INC3 Filed as: VAUGHN GROUP NON-EXPERIENCE-RATED | PO BOX 532017 ORLANDO, FL 327654508 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $923 | — | $923 | 0.03% |
| SEASIDE INSURANCE INC3 | 201 S ORANGE AVE STE 250 ORLANDO, FL 328015005 | METROPOLITAN LIFE INSURANCE COMPANY | $39K | — | $39K | 13.40% |
| SEASIDE INSURANCE INC3 | 201 S ORANGE AVE STE 250 ORLANDO, FL 32801 | HUMANA INSURANCE COMPANY | $4K | — | $4K | 1.67% |
| SEASIDE INSURANCE INC3 | 201 S ORANGE AVE STE 250 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 13.94% |
| ELBERT H VAUGHN3 | 201 S ORANGE AVE STE 250 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $736 | — | $736 | 1.44% |
| SEASIDE INSURANCE INC3 | 201 S ORANGE AVE STE 250 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 17.19% |
| SEASIDE INSURANCE INC3 | 201 S ORANGE AVE STE 250 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 17.56% |
| DAVID D HOWES3 | 2461 W STATE RD 426 OVIEDO, FL 327654508 | KANAWHA INSURANCE COMPANY | $60 | — | $60 | 6.81% |
| ELBERT H VAUGHN3 | 201 S ORANGE AVE STE 250 ORLANDO, FL 32801 | KANAWHA INSURANCE COMPANY | $17 | — | $17 | 1.93% |
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 | 354 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 366 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 660 | $3.3M |
| Dental | HUMANA INSURANCE COMPANY | 305 | $254K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 824 | $291K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 824 | $291K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 824 | $291K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 660 | $3.3M |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 824 | $342K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 824 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.