| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WALTER CLAY MCRAE3 | PO BOX 43006 JACKSONVILLE, FL 322033006 | HEALTH OPTIONS | $41K | — | $41K | 6.00% |
| WALTER CLAY MCRAE3 | PO BOX 43006 JACKSONVILLE, FL 322033006 | BLUE CROSS BLUE SHIELD OF FLORIDA | $10K | — | $10K | 6.00% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $4K | — | $4K | 4.90% |
| FLORIDA AUTOMOBILE DEALERS ASSOC3 | ATTN T SMITH EXEC VP TALLAHASSEE, FL 32301 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $3K | $3K | 3.48% |
| WALTER CLAY MCRAE3 | PO BOX 43006 JACKSONVILLE, FL 322033006 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 11.80% |
| HARRISON SWANN LLC3 | 3664 COOLIDGE COURT TALLAHASEE, FL 32311 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $153 | — | $153 | 0.59% |
| NORTH AMERICAN BENEFITS COMPANY3 Filed as: NORTH FLORIDA FINANCIAL CORPORATION | 3664 COOLIDGE COURT TALLAHASSE, FL 32311 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21 | — | $21 | 0.08% |
| WALTER CLAY MCRAE3 | P.O. BOX 43006 JACKSONVILLE, FL 322033006 | FLORIDA COMBINED LIFE | $3K | — | $3K | 15.32% |
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 | 102 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 35 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HEALTH OPTIONS | 96 | $945K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 109 | $26K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 165 | $48K |
| Short-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 63 | $83K |
| Long-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 63 | $83K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 96 | $862K |
| Other(2 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 165 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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.