| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OWEN & ASSOCIATES3 | 13541 MONTECITO PLACE JACKSONVILLE, FL 322246022 | BLUE CROSS BLUE SHIELD OF FLORIDA | $31K | — | $31K | 6.00% |
| OWEN & ASSOCIATES3 | 13541 MONTECITO PLACE JACKSONVILLE, FL 322246022 | BLUE CROSS BLUE SHIELD OF FLORIDA | $12K | — | $12K | 6.00% |
| OWEN & ASSOCIATES3 | 13541 MONTECITO PLACE JACKSONVILLE, FL 322246022 | FLORIDA COMBINED LIFE INSURANCE COMPANY INC. | — | $6K | $6K | 11.42% |
| ALBERT M CRABTREE III3 Filed as: ALBERT M CRABTREE | 4335 BALLINGER DRIVE JACKSONVILLE, FL 32257 | AETNA | $1K | — | $1K | 3.04% |
| ROGERS BENEFIT GROUP INC3 | 5110 NORTH 40TH STREET PHOENIX, AZ 85018 | AETNA | $321 | — | $321 | 0.93% |
| JUDSON T. MALLINI3 | 141 WOODFIELD LANE ST. JOHNS, FL 32259 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $34 | — | $34 | 4.99% |
| ALBERT M CRABTREE III3 Filed as: ALBERT M. CRABTREE | 8777 SAN JOSE BOULEVARD, SUITE A202 JACKSONVILLE, FL 32217 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $34 | — | $34 | 4.99% |
| JUDSON T. MALLINI3 | 141 WOODFIELD LANE ST. JOHNS, FL 32259 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15 | — | $15 | 7.43% |
| ALBERT M CRABTREE III3 Filed as: ALBERT M. CRABTREE | 8777 SAN JOSE BOULEVARD, SUITE A202 JACKSONVILLE, FL 32217 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15 | — | $15 | 7.43% |
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 | 166 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA | 0 | $35K |
| Life insurance(3 contracts, 2 carriers) | FLORIDA COMBINED LIFE INSURANCE COMPANY INC. | 166 | $53K |
| Short-term disability(3 contracts, 2 carriers) | FLORIDA COMBINED LIFE INSURANCE COMPANY INC. | 166 | $53K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 122 | $724K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.