| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE | 2965 ALTERNATE 19 PALM HARBOR, FL 34683 | BLUE CROSS BLUE SHIELD OF FLORIDA | $57K | $0 | $57K | 4.00% |
| ALLTRUST INSURANCE3 | 2965 ALT 19 PALM HARBOR, FL 34683 | STANDARD INSURANCE COMPANY | $4K | $344 | $5K | 4.93% |
| ALLTRUST INSURANCE3 | 2965 ALTERNATE 19 N PALM HARBOR, FL 34683 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $3K | 8.42% |
| ACRISURE LLC3 Filed as: ACRISURE | 5664 PRARIE CREEK DRIVE CALEDONIA, ME 49316 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.73% |
| BRAYBOY & ASSOCIATES D/B/A ALLTRUST3 Filed as: BRAYBOY & ASSOCIATES BDA ALLTRUST | 2965 ALTERNATE 19 N PALM HARBOR, FL 34683 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $2K | $3K | 7.99% |
| ACRISURE LLC3 Filed as: ACRISURE | 5664 PRARIE CREEK DRIVE CALEDONIA, ME 49316 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.14% |
| ALLTRUST INSURANCE3 | 2965 ALT 19 N PALM HARBOR, FL 34683 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $1K | $2K | 8.37% |
| ACRISURE LLC3 Filed as: ACRISURE | 5664 PRARIE CREEK DRIVE CALEDONIA, MI 49316 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.73% |
| ALLTRUST INSURANCE3 | 2965 ALT 19 PALM HARBOR, FL 34683 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $799 | $793 | $2K | 8.40% |
| ACRISURE LLC3 Filed as: ACRISURE | 5664 PRARIE CREEK DRIVE CALEDONIA, ME 49316 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.78% |
| ALLTRUST INSURANCE3 Filed as: ALLTRUST | 2965 ALT 19 PALM HARBOR, FL 34683 | ADVANTICA | $1K | $0 | $1K | 14.00% |
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 | 150 | 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) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 146 | $1.4M |
| Dental | STANDARD INSURANCE COMPANY | 120 | $92K |
| Vision | ADVANTICA | 125 | $11K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 160 | $36K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 81 | $25K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $38K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 146 | $1.4M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 160 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.