| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN F. HOWARD3 Filed as: JOHN FRIERSON HOWARD MAS | 1000 RIVERSIDE AVE STE 210 JACKSONVILLE, FL 32204 | BLUE CROSS BLUE SHIELD OF FLORIDA HEALTH OPTIONS | $49K | — | $49K | 9.60% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 10739 DEERWOOD PARK BOULEVARD SUITE 200 JACKSONVILLE, FL 32256 | BLUE CROSS BLUE SHIELD OF FLORIDA HEALTH OPTIONS | $18K | — | $18K | 3.53% |
| JOHN F. HOWARD3 Filed as: JOHN FRIERSON HOWARD | MASSACHUSETTS MUTUAL LIFE 1000 RIVERSIDE AVE STE 210 JACKSONVILLE, FL 322044103 | FLORIDA COMBINED LIFE | $11K | — | $11K | 10.54% |
| FLORIDA BLUE3 Filed as: JIM GRIFFIN FLORIDA BLUE | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $746 | — | $746 | 0.70% |
| FLORIDA BLUE3 Filed as: CHARLES METZKES FLORIDA BLUE | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $604 | — | $604 | 0.57% |
| JOHN F. HOWARD3 | 1000 RIVERSIDE AVENUE, SUITE 210 JACKSONVILLE, FL 32204 | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | $4K | — | $4K | 9.52% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 10739 DEERWOOD PARK BOULEVARD SUITE 200 JACKSONVILLE, FL 322564839 | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | $946 | — | $946 | 2.02% |
| FLORIDA BLUE3 Filed as: FLORIDA BLUE JIM GRIFFIN | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | $76 | — | $76 | 0.16% |
| JOHN F. HOWARD3 Filed as: JOHN FRIERSON HOWARD | 1000 RIVERSIDE DR SUITE 210 JACKSONVILLE, FL 322044103 | BLUE CROSS BLUE SHIELD FLORIDA COMBINED LIFE | $1K | — | $1K | 9.52% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HU INTERNATIONAL WEST LTD | 10739 DERRWOOD PARK BLVD SUITE 00 JACKSONVILLE, FL 322564839 | BLUE CROSS BLUE SHIELD FLORIDA COMBINED LIFE | $245 | — | $245 | 2.02% |
| FLORIDA BLUE3 Filed as: JIM GRIFFIN, FLORIDA BLUE | 4800 DEERWOOD CAMPUS PARKWAY DC2/2 JACKSONVLLE, FL 32246 | BLUE CROSS BLUE SHIELD FLORIDA COMBINED LIFE | $45 | — | $45 | 0.37% |
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 | 269 | 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) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA HEALTH OPTIONS | 231 | $508K |
| Dental | FLORIDA COMBINED LIFE | 259 | $107K |
| Vision | VISION SERVICE PLAN | 159 | $18K |
| Life insurance(2 contracts, 2 carriers) | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | 269 | $59K |
| Short-term disability | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | 269 | $47K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA HEALTH OPTIONS | 231 | $508K |
| Other(2 contracts, 2 carriers) | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | 269 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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.