| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 2081 VISTA PKWY STE 300 STE 300 WEST PALM BCH, FL 334112702 | BLUE CORSS BLUE SHIELD OF FLORIDA | $54K | — | $54K | 4.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 2081 VISTA PKWY STE 300 WEST PALM BCH, FL 334112702 | BLUE CROSS BLUE SHIELD OF FLORIDA | $26K | — | $26K | 4.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 4904 EISENHOWER BLVD STE 250 TAMPA, FL 33634 | AETNA LIFE INSURANCE COMPANY | $17K | — | $17K | 10.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4350 WEST CYPRESS STREET SUITE 300 TAMPA, FL 33607 | AETNA LIFE INSURANCE COMPANY | $1K | — | $1K | 0.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 2056 VISTA PARKWAY SUITE 300 WEST PALM BEACH, FL 33411 | CIGNA GROUP INSURANCE | $5K | $1K | $7K | 18.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 2056 VISTA PARKWAY SUITE 300 WEST PALM BEACH, FL 33411 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $930 | $4K | 18.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 2056 VISTA PARKWAY SUITE 300 WEST PALM BEACH, FL 33411 | CIGNA GROUP INSURANCE | $532 | $144 | $676 | 19.04% |
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 | 191 | 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) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CORSS BLUE SHIELD OF FLORIDA | 108 | $1.8M |
| Dental | AETNA LIFE INSURANCE COMPANY | 348 | $153K |
| Vision | AETNA LIFE INSURANCE COMPANY | 348 | $153K |
| Life insurance | CIGNA GROUP INSURANCE | 303 | $35K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 212 | $24K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CORSS BLUE SHIELD OF FLORIDA | 108 | $1.8M |
| Other | CIGNA GROUP INSURANCE | 211 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 348 | — |
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.