| 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 | $61K | — | $61K | 2.50% |
| EMPLOYERS MUTUAL INC.3 | 700 CENTRAL PARKWAY STUART, FL 34994 | HEALTH OPTIONS | $8K | — | $8K | 2.50% |
| EMPLOYERS MUTUAL INC.3 | 700 CENTRAL PARKWAY STUART, FL 34994 | FLORIDA COMBINED LIFE | $11K | — | $11K | 9.94% |
| FLORIDA BLUE3 Filed as: NAKINA GRAVIER - FLORIDA BLUE | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $168 | — | $168 | 0.15% |
| EMPLOYERS MUTUAL INC.3 | 700 CENTRAL PKWY STUART, FL 349943967 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 10.01% |
| EMPLOYERS MUTUAL INC.3 | 700 CENTRAL PARKWAY STUART, FL 34994 | FLORIDA COMBINED LIFE | $3K | — | $3K | 18.02% |
| FLORIDA BLUE3 Filed as: NAKINA GRAVIER - FLORIDA BLUE | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $48 | — | $48 | 0.32% |
| 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 | 13.80% |
| KAN ENTERPRISES INC4 Filed as: KAN ENTERPRISES INC. | 3126 STARBURST WAY JACKSONVILLE, FL 32223 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $127 | — | $127 | 0.89% |
| LAUREN N BARGE FOSTER4 | P.O. BOX 330383 ATLANTIC BEACH, FL 32233 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $43 | — | $43 | 0.30% |
| BROOKE B. WARD4 | 2557 MICHAELSON WAY JACKSONVILLE, FL 32223 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $36 | — | $36 | 0.25% |
| LIVING LEGACY BENEFITS GROUP LLC4 | 6945 MORSE AVE APT 1036 JACKSONVILLE, FL 32244 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $33 | — | $33 | 0.23% |
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 | 266 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 217 | $2.4M |
| Dental(2 contracts) | FLORIDA COMBINED LIFE | 160 | $123K |
| Vision | HUMANA INSURANCE COMPANY | 150 | $22K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 12 | $0 |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 217 | $2.8M |
| Other | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | 55 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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.