| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYERS MUTUAL INC.3 | 700 CENTRAL PKWY STUART, FL 34994 | BLUE CROSS BLUE SHIELD OF FLORIDA | $67K | — | $67K | 2.50% |
| EMPLOYERS MUTUAL INC.3 | 700 CENTRAL PARKWAY STUART, FL 34994 | BLUE CROSS BLUE SHIELD OF FLORIDA | $8K | — | $8K | 2.50% |
| EMPLOYERS MUTUAL INC.3 | 700 CENTRAL PARKWAY STUART, FL 34994 | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | $15K | — | $15K | 10.78% |
| EMPLOYERS MUTUAL INC.3 | 700 CENTRAL PARKWAY STUART, FL 34994 | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | $2K | — | $2K | 10.09% |
| EMPLOYERS MUTUAL INC.3 | 700 CENTRAL PKWY STUART, FL 349943967 | COMPBENEFITS COMPANY | $2K | — | $2K | 10.86% |
| REBECCA J SMITH INC4 Filed as: REBECCA J. SMITH INC. | 2557 MICHAELSON WAY JACKSONVILLE, FL 32223 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $2K | — | $2K | 13.52% |
| KATHLEEN D. AKERS4 | 3126 STARBURST WAY JACKSONVILLE, FL 32223 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $249 | — | $249 | 1.50% |
| LIVING LEGACY BENEFITS GROUP LLC4 | 56 MISSION WOODS WAY ST. AUGUSTINE, FL 32084 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $97 | — | $97 | 0.58% |
| BROOKE B. WARD4 Filed as: BROOKE WARD | 2557 MICHAELSON WAY JACKSONVILLE, FL 32223 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $94 | — | $94 | 0.57% |
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 | 281 | 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) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 241 | $2.7M |
| Dental(2 contracts) | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | 181 | $162K |
| Vision | COMPBENEFITS COMPANY | 164 | $23K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 11 | $0 |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 241 | $3.0M |
| Other | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | 59 | $17K |
| 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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.