| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 200 SOUTH ORANGE AVENUE, SUITE 1350 ORLANDO, FL 32801 | BLUE CROSS BLUE SHIELD OF FLORIDA | $69K | — | $69K | 8.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4350 WEST CYPRESS STREET, SUITE 300 TAMPA, FL 33607 | AETNA LIFE INSURANCE COMPANY | $5K | — | $5K | 9.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2345 GRAND AVENUE, SUITE 400 KANSAS CITY, MO 64108 | AETNA LIFE INSURANCE COMPANY | — | $113 | $113 | 0.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 200 SOUTH ORANGE AVENUE, SUITE 1350 ORLANDO, FL 32801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $519 | $7K | 14.76% |
| DSM FINANCIAL LLC3 Filed as: DSM FINANCIAL, LLC | 950 PENINSULA CORPORATE CIRCLE SUITE 1005 BOCA RATON, FL 33487 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | — | $3K | 9.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLNGTON HEIGHTS, IL 60006 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | — | $3K | 9.96% |
| THE SOUTHERN REGION LLC3 Filed as: THE SOUTHERN REGION, LLC | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $1K | — | $1K | 4.98% |
| GETTYSBURG BENEFITS ADMINISTRATORS3 | 777 BALTIMORE STREET, SUITE 97 GETTYSBURG, PA 17325 | TRUSTMARK INSURANCE COMPANY | $7K | — | $7K | 35.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | TRUSTMARK INSURANCE COMPANY | $4K | — | $4K | 23.76% |
| DSM FINANCIAL LLC3 Filed as: DSM FINANCIAL | 950 PENINSULA CORPORATE CIRCLE SUITE 1005 BOCA RATON, FL 33428 | TRUSTMARK INSURANCE COMPANY | $1K | — | $1K | 6.79% |
| SCOTT REYNOLDS3 Filed as: SCOTT W. REYNOLDS | 423 TROON CIRCLE DAVENPORT, FL 33897 | TRUSTMARK INSURANCE COMPANY | $321 | — | $321 | 1.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 200 SOUTH ORANGE AVENUE, SUITE 1350 ORLANDO, FL 32801 | BLUE CROSS BLUE SHIELD OF FLORIDA | $1K | — | $1K | 8.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 200 SOUTH ORANGE AVENUE, SUITE 1350 ORLANDO, FL 32801 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 9.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 200 SOUTH ORANGE AVENUE, SUITE 1350 ORLANDO, FL 32801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 21.73% |
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 | 129 | 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) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 115 | $904K |
| Dental | AETNA LIFE INSURANCE COMPANY | 224 | $59K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 178 | $15K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $46K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $46K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 129 | $13K |
| Prescription drug(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 115 | $904K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.