| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES OF FL | 700 CENTRAL PKWY STUART, FL 34994 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $70K | $70K | 2.50% |
| EMPLOYERS MUTUAL INC.3 | 700 CENTRAL PARKWAY STUART, FL 34994 | FLORIDA COMBINED LIFE | $11K | — | $11K | 9.86% |
| EMPLOYERS MUTUAL INC.3 | 700 CENTRAL PKWY STUART, FL 349943967 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| 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 | 15.66% |
| LAUREN N BARGE FOSTER4 | P.O. BOX 330383 ATLANTIC BEACH, FL 32233 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $166 | — | $166 | 1.11% |
| KAN ENTERPRISES INC4 | 6050 GREEN POND DR JACKSONVILLE, FL 32258 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $63 | — | $63 | 0.42% |
| LIVING LEGACY BENEFITS GROUP LLC4 | 6945 MORSE AVE APT 1036 JACKSONVILLE, FL 32244 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $36 | — | $36 | 0.24% |
| BROOKE B. WARD4 | 2557 MICHAELSON WAY JACKSONVILLE, FL 32223 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $33 | — | $33 | 0.22% |
| EMPLOYERS MUTUAL INC.3 | 700 CENTRAL PARKWAY STUART, FL 34994 | FLORIDA COMBINED LIFE | $1K | — | $1K | 8.92% |
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 | 248 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 250 | $2.8M |
| Dental(2 contracts) | FLORIDA COMBINED LIFE | 165 | $128K |
| Vision | HUMANA INSURANCE COMPANY | 159 | $24K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 12 | $0 |
| Other | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | 46 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 250 | — |
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.
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.