| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCOTT FENSTERMAKER3 | 1582 VILLAGE SQUARE BLVD TALLAHASSEE, FL 323092748 | BLUE CROSS BLUE SHIELD OF FLORIDA | $24K | — | $24K | 4.00% |
| SCOTT FENSTERMAKER3 | 1582 VILLAGE SQUARE BLVD TALLAHASSEE, FL 323092748 | HEALTH OPTIONS, INC. | $14K | — | $14K | 4.00% |
| DAVID ASHLEY3 | LAKE HAMPTON OFFICE 6982 SW 101 STREET HAMPTON, FL 32044 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | — | $11K | 10.00% |
| BARTON, FENSTERMAKER, TONDELLO3 Filed as: BARTON,FENSTERMAKER,TONDELLO & ASSC | 1582 VILLAGE SQUARE BLVD TALLAHASSEE, FL 323092748 | FLORIDA COMBINED LIFE | $9K | — | $9K | 9.89% |
| BRIAN BURCH3 | FLORIDA BLUE 4800 DEERWOOD CAMPUS PKWY, DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $273 | — | $273 | 0.31% |
| DAVID ASHLEY3 | LAKE HAMPTON OFFICE 6982 SW 101 STREET HAMPTON, FL 32044 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 5.00% |
| DAVID ASHLEY3 | LAKE HAMPTON OFFICE 6982 SW 101 STREET HAMPTON, FL 32044 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 10.00% |
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 | 173 | 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. |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 136 | $969K |
| Dental | FLORIDA COMBINED LIFE | 146 | $89K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 173 | $30K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 160 | $54K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 160 | $114K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 136 | $969K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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.