| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | P.O. BOX 62689 VIRGINIA BEACH, VA 23462 | BLUE CROSS BLUE SHIELD OF FLORIDA | $83K | — | $83K | 34.55% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SRTVICES LLC | ATTN SOUTHEAST PO BOX 62689 VIRGINIA BEAH, VA 23466 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 5.95% |
| COMBINED INSURANCE SERVICES3 Filed as: COMBINED INS SVCD DBA TORGERSEN CAU | 1403 E BELMONT ST PENSACOLA, FL 32501 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 4.05% |
| USI INSURANCE SERVICES LLC3 | ATTN SOUTHEAST PO BOX 62689 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 8.66% |
| COMBINED INSURANCE SERVICES3 Filed as: COMBINED INS SVCS DBA TORGERSEN CAU | 1403 E BELMNT ST PRNSACOLA, FL 32501 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 3.79% |
| WEST FLORIDA MEDICAL CENTER CLINIC3 | ATTN REBECCA GRIENER 8333 N DAVIS HWY STE 800 PENSACOLA, FL 32514 | STANDARD INSURANCE COMPANY | — | $630 | $630 | 0.50% |
| USI INSURANCE SERVICES LLC3 | ATTN SOUTHEAST PO BOX 62689 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 8.74% |
| COMBINED INSURANCE SERVICES3 Filed as: COMBINED INS SVCS DBA TORGERSEN CAU | 1403 E BELMONT ST PENSACOLA, FL 32501 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 3.72% |
| WEST FLORIDA MEDICAL CENTER CLINIC3 Filed as: WEST FLORIDA MEDICAL CENTER PA | ATTN REBECCA GRIENER 8333 N DAVIS HWY STE 800 PENSACOLA, FL 32514 | STANDARD INSURANCE COMPANY | — | $627 | $627 | 0.52% |
| MICHELLE G POLLOCK3 | 5444 OAKMONT DR PACE, FL 32571 | AFLAC | $6K | $391 | $7K | 7.93% |
| LEIGH ANNE WHITE3 Filed as: LEIGH ANNR WHITE | 2533 REDFORD DR CANTONMENT, FL 32533 | AFLAC | $6K | $147 | $6K | 6.84% |
| JESSICA MARIE MUSACCHIA3 | 8118 TREETOP LN PENSACOLA, FL 32514 | AFLAC | $3K | $85 | $3K | 3.93% |
| BRIAN V ANDREWS3 Filed as: BRIAN V. ANDREWS | TAMARACK DR PACE, FL 32571 | AFLAC | $2K | $86 | $2K | 2.92% |
| GCG FINANCIAL LLC3 Filed as: BARNES INS & FIN SVCS AN ALERA GRP | 1582 AIRPORT BLVD PENSACOLA, FL 32504 | AFLAC | $504 | — | $504 | 0.61% |
| WILLIAM TYLER BRUNNER3 | 5644 CHURCHILL DOWNS CT PACE, FL 32571 | AFLAC | $302 | — | $302 | 0.36% |
| JOHN C POLLOCK3 | 5444 OAKMONT DRIVE MILTON, FL 32571 | AFLAC | $240 | — | $240 | 0.29% |
| DEANA B KELLY3 | 5797 W JACKSON ST PENSACOLA, FL 32506 | AFLAC | $44 | — | $44 | 0.05% |
| SAIC INC3 | 1639 BRADLEY PARK DR ST 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $26 | — | $26 | 0.03% |
| SHAKENIA DUNCAN3 | 11112 LITTLE CREEK LN PENSACOLA, FL 32506 | AFLAC | $22 | — | $22 | 0.03% |
| BRIAN ANDREWS3 | 5728 TAMARACK DR PACE, FL 32571 | AFLAC | $21 | — | $21 | 0.03% |
| SARAH MAY3 | 50 COMMON ST MOBILE, AL 36604 | AFLAC | $20 | — | $20 | 0.02% |
| JOHNANNA S HAAS3 | 7602 N LEONARD AVE CLOVIS, CA 93619 | AFLAC | $5 | — | $5 | 0.01% |
| MARISOL MENDOZA3 | 1285 W SHAW AVE STE 101 FRESNO, CA 93711 | AFLAC | $3 | — | $3 | 0.00% |
| HOLLY ADAMS BUTCHER3 | 1149 CREIGHTON RD STE 1 PENSACOLA, FL 32504 | AFLAC | $1 | — | $1 | 0.00% |
| ILIC-STONE INS SERVICES INC3 Filed as: ILIC-STONE SERVICES INC | 1285 W SHAW AVE STE 101 FRESNO, CA 93711 | AFLAC | $1 | — | $1 | 0.00% |
| JOHN TODD LEE3 | 322 FARMHOUSE RD ELLERSLE, GA 31807 | AFLAC | $1 | — | $1 | 0.00% |
| JOEL SANDERS3 | 2165 HALCYON BLVD MONTGOMERY, AL 36117 | AFLAC | $1 | — | $1 | 0.00% |
| JOHN W AMOS3 | 10051 VETERANS PKWY STE B-2 MIDLAND, GA 31820 | AFLAC | $1 | — | $1 | 0.00% |
| LYNNE HUDGINS MOORE3 | 8650 MINNIE BROWN RD STE 150 MONTGOMERY, AL 36117 | AFLAC | $1 | — | $1 | 0.00% |
| BRENTLEY M HUXTABLE3 | 815 MAIN LN APT 4407 ORLANDO, FL 32801 | AFLAC | $0 | — | $0 | 0.00% |
| CHARLES F GREER3 | 9537 PECKY CYPRESS WAY ORLANDO, FL 32836 | AFLAC | $0 | — | $0 | 0.00% |
| THE PERRY GROUP INC3 | 1650 SAND LAKE RD STE 201D ORLANDO, FL 32809 | AFLAC | $0 | — | $0 | 0.00% |
| COMBINED INSURANCE SVCS OF N FL INC3 Filed as: COMBINED INSURANCE SERVICES OF N FL | 1403 E BELMONT ST PENSACOLA, FL 32501 | AFLAC | $0 | — | $0 | 0.00% |
| BRIAN HICKS3 | 2739 AMERICUS DR THOMPSONS STATION, TN 37179 | AFLAC | $0 | — | $0 | 0.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCEICES LLC | ATTN SOUTHEAST P O BOX 62689 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 8.43% |
| COMBINED INSURANCE SERVICES3 Filed as: COMBINED INS SVCS DBA TORGERSEN CAU | 1403 E BELMONT ST PENSACOLA, FL 32501 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 3.90% |
| WEST FLORIDA MEDICAL CENTER CLINIC3 | 8333 N DAVIS HWY STE 800 ATTN REBECCA GRIENER PENSACOLA, FL 32514 | STANDARD INSURANCE COMPANY | — | $240 | $240 | 0.48% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 62689 VIRGINIA BEACH, VA 23462 | HEALTHIEST YOU | $4K | — | $4K | 8.71% |
| COMBINED INSURANCE SERVICES3 Filed as: COMBINED INSURANCE SERVICES, INC | 1403 E. BELMONT ST PENSACOLA, FL 32501 | HEALTHIEST YOU | $3K | — | $3K | 6.29% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEAACH, VA 23466 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 5.79% |
| COMBINED INSURANCE SERVICES3 Filed as: COMBINED INS SVCS DBA TORGERSEN CAU | 1403 E BELMONT ST PENSACOLA, FL 32501 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 4.22% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 10.00% |
| COMBINED INSURANCE SVCS OF N FL INC3 Filed as: COMBINED INSURANCE SERVICES OF | 1403 E BELMONT ST PENSACOLA, FL 32501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $659 | — | $659 | 6.25% |
| MICHELLE G POLLOCK3 | 5444 OAKMONT DR PACE, FL 32571 | AFLAC | $277 | $19 | $296 | 3.31% |
| BRIAN ANDREWS3 | 5728 TAMARACK DR PACE, FL 32571 | AFLAC | $151 | $4 | $155 | 1.73% |
| GCG FINANCIAL LLC3 Filed as: BARNES INS & FIN SVCS AN ALERA GRP | 1582 AIRPORT BLVD PENSACOLA, FL 32504 | AFLAC | $150 | — | $150 | 1.68% |
| JOHN C POLLOCK3 Filed as: JOHN POLLOCK | 5444 OAKMONT DR MILTON, FL 32571 | AFLAC | $125 | — | $125 | 1.40% |
| JESSICA MARIE MUSACCHIA3 | 8118 TREETOP LN PENSACOLA, FL 32514 | AFLAC | $116 | — | $116 | 1.30% |
| LEIGH ANNE WHITE3 | 2533 REDFORD DR CANTONMENT, FL 32533 | AFLAC | $98 | $4 | $102 | 1.14% |
| WILLIAM TYLER BRUNNER3 | 5644 CHURCHILL DOWNS CT PACE, FL 32571 | AFLAC | $28 | — | $28 | 0.31% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $402 | — | $402 | 10.00% |
| COMBINED INSURANCE SVCS OF N FL INC3 Filed as: COMBINED INSURANCE SERVICES OF | 1403 E BELMONT ST PENSACOLA, FL 32501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $251 | — | $251 | 6.25% |
| COMBINED INSURANCE SERVICES3 Filed as: COMBINED INSURANCE SERVICES, INC | 1403 E BELMONT ST PENSACOLA, FL 32501 | HEALTHIEST YOU | $201 | — | $201 | 7.58% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 62689 VIRGINIA BEACH, VA 23462 | HEALTHIEST YOU | $197 | — | $197 | 7.43% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH OPTIONS EIN 59-2403696 BLUECARD ACCESS FEES | Claims processing Service code 12 | — | $328K |
| BLUE CROSS BLUE SHIELD OF FLORIDA EIN 59-2015694 HEALTH BENEFITS ASO FEE | Claims processing Service code 12 | P O BOX 1798 JACKSONVILLE, FL 32231 | $21K |
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 | 539 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 542 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 309 | $241K |
| Dental(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 299 | $173K |
| Vision(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 573 | $32K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 441 | $120K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 126 | $50K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 164 | $126K |
| Other(8 contracts, 4 carriers) | AFLAC | 315 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 573 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.