| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 850 CONCOURSE PKWY S STE 200 MAITLAND, FL 327516145 | BLUE CROSS BLUE SHIELD OF FLORIDA | $16K | — | $16K | 4.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 850 CONCOURSE PKWY S STE 200 MAITLAND, FL 327516145 | HEALTH OPTIONS, INC | $14K | — | $14K | 4.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSYTN SHERMAN PARTNERS | 4233 PABLO PROFESSIONAL CT SUITE 201 JACKSONVILLE, FL 322243230 | HEALTH OPTIONS, INC | $10K | — | $10K | 4.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4233 PABLO PROFESSIONAL CT SUITE 201 JACKSONVILLE, FL 322243230 | BLUE CROSS BLUE SHIELD OF FLORIDA | $10K | — | $10K | 4.00% |
| MONTOYA AND ASSOCIATES LLC3 Filed as: MONTOYA AND ASSOCIATES, LLC | 236 PONTE VEDRA PARK DRIVE SUITE 101 PONTE VEDRA BEACH, FL 32082 | BLUE CROSS BLUE SHIELD OF FLORIDA | $5K | — | $5K | 4.00% |
| MONTOYA AND ASSOCIATES LLC3 Filed as: MONTOYA & ASSOCIATES, LLC | 236 PONTE VEDRA PARK DRIVE SUITE 101 PONTE VEDRA BEACH, FL 32082 | HEALTH OPTIONS, INC | $5K | — | $5K | 4.00% |
| BRUCE WOODRUFF3 | 3101 MAGUIRE BLVD SUITE 256 ORLANDO, FL 32803 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 8.78% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28290 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 4.93% |
| ALLAN K HOROWITZ AND ASSOCIATES3 | 4300 W LAKE MARY BLVD SUITE 1010-431 LAKE MARY, FL 32746 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 2.93% |
| BRUCE WOODRUFF3 | 3101 MAGUIRE BLVD SUITE 256 ORLANDO, FL 32803 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 8.83% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28290 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 4.90% |
| ALLAN K HOROWITZ AND ASSOCIATES3 | 4300 W LAKE MARY BLVD SUITE 1010-431 LAKE MARY, FL 32746 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 2.94% |
| BRUCE WOODRUFF3 | 3101 MAGUIRE BLVD SUITE 256 ORLANDO, FL 32803 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 8.79% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28290 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 4.91% |
| ALLAN K HOROWITZ AND ASSOCIATES3 | 4300 W LAKE MARY BLVD SUITE 1010-431 LAKE MARY, FL 32746 | STANDARD INSURANCE COMPANY | $664 | — | $664 | 2.93% |
| MCGRIFF INSURANCE SERVICES INC3 | 850 CONCOURSE PKWY S STE 200 MAITLAND, FL 327516145 | UNION SECURITY INSURANCE COMPANY | $561 | — | $561 | 4.16% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN | SHERMAN PARTNERS LLC 4010 W BOY SCOUT BLVD, STE 200 TAMPA, FL 33607 | UNION SECURITY INSURANCE COMPANY | $447 | — | $447 | 3.32% |
| MONTOYA AND ASSOCIATES LLC3 Filed as: MONTOYA AND ASSOCIATES, LLC | 4233 PABLO PROFESSIONAL COURT SUITE 200 JACKSONVILLE, FL 32224 | UNION SECURITY INSURANCE COMPANY | $340 | — | $340 | 2.52% |
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)(6 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 85 | $1.5M |
| Vision | UNION SECURITY INSURANCE COMPANY | 116 | $13K |
| Life insurance | STANDARD INSURANCE COMPANY | 173 | $23K |
| Short-term disability | STANDARD INSURANCE COMPANY | 173 | $73K |
| Long-term disability | STANDARD INSURANCE COMPANY | 69 | $103K |
| Prescription drug(6 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 85 | $1.5M |
| Other | STANDARD INSURANCE COMPANY | 173 | $23K |
| 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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.