| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMBINED INSURANCE SERVICES3 Filed as: COMBINED INS SVCD DBA TORGERSEN CAU | 1403 E BELMONT ST PENSACOLA, FL 32501 | STANDARD INSURANCE COMPANY | $17K | — | $17K | 10.01% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SRTVICES LLC | ATTN SOUTHEAST PO BOX 62689 VIRGINIA BEAH, VA 23466 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 1.06% |
| COMBINED INSURANCE SERVICES3 Filed as: COMBINED INS SVCS DBA TORGERSEN CAU | 1403 E BELMONT ST PENSACOLA, FL 32501 | STANDARD INSURANCE COMPANY | $22K | — | $22K | 16.20% |
| USI INSURANCE SERVICES LLC3 | ATTN SOUTHEAST PO BOX 62689 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 6.63% |
| COMBINED INSURANCE SERVICES3 Filed as: COMBINED INS SVCS DBA TORGERSEN CAU | 1403 E BELMNT ST PRNSACOLA, FL 32501 | STANDARD INSURANCE COMPANY | $20K | — | $20K | 16.29% |
| USI INSURANCE SERVICES LLC3 | ATTN SOUTHEAST PO BOX 62689 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 7.50% |
| JESSICA MARIE MUSACCHIA3 | 8118 TREETOP LN PENSACOLA, FL 32514 | AFLAC | $4K | $514 | $5K | 6.13% |
| MICHELLE G POLLOCK3 | 5444 OAKMONT DR PACE, FL 32571 | AFLAC | $4K | $514 | $5K | 5.99% |
| LEIGH ANNE WHITE3 | 2533 REDFORD DR CANTONMENT, FL 32533 | AFLAC | $3K | $180 | $3K | 3.61% |
| BRIAN V ANDREWS3 Filed as: BRIAN V. ANDREWS | TAMARACK DR PACE, FL 32571 | AFLAC | $2K | $180 | $2K | 2.66% |
| GCG FINANCIAL LLC3 Filed as: BARNES INS & FIN SVCS AN ALERA GRP | 1582 AIRPORT BLVD PENSACOLA, FL 32504 | AFLAC | $409 | — | $409 | 0.53% |
| ANNA THOMPSON3 | 7 CORTE LAGO SANTA ROSA BEACH, FL 32459 | AFLAC | $356 | — | $356 | 0.46% |
| WILLIAM TYLER BRUNNER3 | 5644 CHURCHILL DOWNS CT PACE, FL 32571 | AFLAC | $253 | — | $253 | 0.33% |
| JOHN C POLLOCK3 | 5444 OAKMONT DRIVE MILTON, FL 32571 | AFLAC | $189 | — | $189 | 0.25% |
| DEANA B KELLY3 | 5797 W JACKSON ST PENSACOLA, FL 32506 | AFLAC | $44 | — | $44 | 0.06% |
| SHAKENIA DUNCAN3 | 11112 LITTLE CREEK LN PENSACOLA, FL 32506 | AFLAC | $16 | — | $16 | 0.02% |
| SAIC INC3 | 1639 BRADLEY PARK DR ST 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $14 | — | $14 | 0.02% |
| SARAH MAY3 | 50 COMMON ST MOBILE, AL 36604 | AFLAC | $10 | — | $10 | 0.01% |
| COMBINED INSURANCE SERVICES3 Filed as: COMBINED INS SVCS DBA TORGERSEN CAU | 1403 E BELMONT ST PENSACOLA, FL 32501 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 16.16% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCEICES LLC | ATTN SOUTHEAST P O BOX 62689 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 6.25% |
| COMBINED INSURANCE SERVICES3 Filed as: COMBINED INSURANCE SERVICES, INC | 1403 E. BELMONT ST PENSACOLA, FL 32501 | HEALTHIEST YOU | $6K | — | $6K | 15.00% |
| COMBINED INSURANCE SERVICES3 Filed as: COMBINED INS SVCS DBA TORGERSEN CAU | 1403 E BELMONT ST PENSACOLA, FL 32501 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEAACH, VA 23466 | STANDARD INSURANCE COMPANY | $331 | — | $331 | 0.82% |
| JESSICA MARIE MUSACCHIA3 | 8118 TREETOP LN PENSACOLA, FL 32514 | AFLAC | $544 | $31 | $575 | 4.18% |
| MICHELLE G POLLOCK3 | 5444 OAKMONT DR PACE, FL 32571 | AFLAC | $526 | $4 | $530 | 3.85% |
| LEIGH ANNE WHITE3 | 2533 REDFORD DR CANTONMENT, FL 32533 | AFLAC | $274 | $8 | $282 | 2.05% |
| BRIAN ANDREWS3 | 5728 TAMARACK DR PACE, FL 32571 | AFLAC | $265 | $8 | $273 | 1.98% |
| GCG FINANCIAL LLC3 Filed as: BARNES INS & FIN SVCS AN ALERA GRP | 1582 AIRPORT BLVD PENSACOLA, FL 32504 | AFLAC | $150 | — | $150 | 1.09% |
| JOHN C POLLOCK3 Filed as: JOHN POLLOCK | 5444 OAKMONT DR MILTON, FL 32571 | AFLAC | $125 | — | $125 | 0.91% |
| WILLIAM TYLER BRUNNER3 | 5644 CHURCHILL DOWNS CT PACE, FL 32571 | AFLAC | $28 | — | $28 | 0.20% |
| SHAKENIA DUNCAN3 | 11112 LITTLE CREEK LN PENSACOLA, FL 32506 | AFLAC | $7 | — | $7 | 0.05% |
| COMBINED INSURANCE SERVICES3 Filed as: COMBINED INSURANCE SERVICES, INC | 1403 E BELMONT ST PENSACOLA, FL 32501 | HEALTHIEST YOU | $436 | — | $436 | 14.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH OPTIONS EIN 59-2403696 BLUECARD ACCESS FEES | Claims processing Service code 12 | — | $323K |
| BLUE CROSS BLUE SHIELD OF FLORIDA EIN 59-2015694 BLUECARD ACCESS FEES | Claims processing Service code 12 | P O BOX 1798 JACKSONVILLE, FL 32231 | $16K |
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 | 459 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 465 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 307 | $173K |
| Vision | STANDARD INSURANCE COMPANY | 597 | $41K |
| Life insurance | STANDARD INSURANCE COMPANY | 459 | $134K |
| Short-term disability | STANDARD INSURANCE COMPANY | 126 | $59K |
| Long-term disability | STANDARD INSURANCE COMPANY | 136 | $126K |
| Other(5 contracts, 3 carriers) | AFLAC | 459 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 597 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.