| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SVCS OF FLORIDA | 700 SE CENTRAL PKWY STUART, FL 34994 | AETNA LIFE INSURANCE CO | $9K | — | $9K | 0.45% |
| REBECCA J SMITH INC4 Filed as: REBECCA J. SMITH INC. | 2557 MICHAELSON WAY JACKSONVILLE, FL 32223 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $935 | — | $935 | 11.16% |
| KATHLEEN DEANNE NORTON LLC4 | 6050 GREEN POND DR JACKSONVILLE, FL 32258 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $36 | — | $36 | 0.43% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| RELATION INS SVCS OF FLORIDA NONE | Insurance agents and brokers Service code 22 | 700 SE CENTRAL PKWY STUART, FL 34994 | $43K |
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 | 171 | 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) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO | 284 | $1.9M |
| Dental | AETNA LIFE INSURANCE CO | 284 | $1.9M |
| Vision | AETNA LIFE INSURANCE CO | 284 | $1.9M |
| Other | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | 32 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 284 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.