| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SIHLE INSURANCE GROUP INC3 Filed as: SIHLE INSURANCE GROUP, INC. | 1021 DOUGLAS AVE ALTAMONTE SPRINGS, FL 32714 | BLUE CROSS BLUE SHIELD OF FLORIDA | $30K | — | $30K | 4.00% |
| SIHLE INSURANCE GROUP INC3 Filed as: SIHLE INSURANCE GROUP, INC. | 1021 DOUGLAS AVE ATLAMONTE SPRINGS, FL 32714 | HEALTH OPTIONS | $15K | — | $15K | 4.00% |
| SIHLE INSURNACE GROUP INC3 | P. O. BOX 160398 ALTAMONTE SPRINGS, FL 327160039 | HUMANA INSURANCE COMPANY | $5K | $2K | $7K | 7.52% |
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 | 210 | 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) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 159 | $1.1M |
| Dental | HUMANA INSURANCE COMPANY | 241 | $88K |
| Vision | HUMANA INSURANCE COMPANY | 241 | $88K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 159 | $743K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.