| 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 | $420K | — | $420K | 12.16% |
| 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 | $125K | — | $125K | 3.63% |
| SEASIDE INSURANCE INC3 | 201 S ORANGE AVE STE 250 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $49K | $9K | $58K | 18.62% |
| SEASIDE INSURANCE INC3 | 201 S ORANGE AVE STE 250 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 13.86% |
| ELBERT H VAUGHN3 | 201 S ORANGE AVE STE 250 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 6.80% |
| SEASIDE INSURANCE INC3 | 201 S ORANGE AVE STE 250 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $11 | $5K | 19.98% |
| SEASIDE INSURANCE INC3 | 201 S ORANGE AVE STE 250 ORLANDO, FL 328015005 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $9 | $5K | 19.24% |
| SEASIDE INSURANCE INC3 | 201 S ORANGE AVE STE 250 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $25 | $2K | 10.08% |
| SEASIDE INSURANCE INC3 | 201 S ORANGE AVE STE 250 ORLANDO, FL 32801 | METLIFE LEGAL PLANS OF FLORIDA | $2K | $5 | $2K | 10.05% |
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 | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 359 | 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 | 696 | $3.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 696 | $3.5M |
| Vision(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 730 | $329K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 730 | $313K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 730 | $313K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 696 | $3.5M |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 730 | $388K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 730 | — |
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.
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.