| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRP CORP DBA ACENTRIA BRC3 | 4634 GULFSTARR DRIVE DESTIN, FL 32541 | BLUE CROSS BLUE SHIELD OF FLORIDA | $27K | — | $27K | 2.85% |
| FRP DBA ACENTRIA OCALA3 | 1823 E FORT KING ST UNIT 200 OCALA, FL 34471 | BLUE CROSS BLUE SHIELD OF FLORIDA | $14K | — | $14K | 1.48% |
| FRP DBA ACENTRIA OCALA3 | 4634 GULFSTARR DRIVE DESTIN, FL 32541 | FLORIDA COMBINED LIFE | $3K | — | $3K | 5.91% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS LLC | 420 SE 8TH STREET OCALA, FL 34471 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.78% |
| ACENTRIA INSURANCE3 | — | ALLYHEALTH LLC | $7K | — | $7K | 67.63% |
| FRP DBA ACENTRIA OCALA3 | 420 SE 8TH ST. OCALA, FL 34471 | BLUECROSS BLUESHIELD OF FLORIDA, INC. | $642 | — | $642 | 7.35% |
| FRP CORP DBA ACENTRIA BRC3 | 4634 GULFSTARR DRIVE DESTIN, FL 32541 | BLUECROSS BLUESHIELD OF FLORIDA, INC. | $57 | — | $57 | 0.65% |
| FRP DBA ACENTRIA OCALA3 | 4634 GULFSTARR DRIVE DESTIN, FL 32541 | USABLE LIFE | $246 | — | $246 | 2.90% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PARKWAY #DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $31 | — | $31 | 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 | 121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 122 | $958K |
| Dental(2 contracts, 2 carriers) | FLORIDA COMBINED LIFE | 117 | $59K |
| Vision | BLUECROSS BLUESHIELD OF FLORIDA, INC. | 11 | $9K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 37 | $16K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 122 | $958K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 202 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.