| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 2965 ALT 19 N PALM HARBOR, FL 34683 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $0 | $12K | 3.53% |
| ACRISURE LLC3 | 2965 ALT 19 N PALM HARBOR, FL 34683 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $31K | $6K | $38K | 11.48% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 2965 ALT 19 N PALM HARBOR, FL 34683 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $19K | $0 | $19K | 7.50% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $256 | $256 | 0.10% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE, SUTIE 1500 CLEVELAND, OH 44114 | COMPBENEFITS | $220 | $0 | $220 | 0.54% |
| ALLTRUST INSURANCE3 | 2965 ALT 19 N PALM HARBOR, FL 34683 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | $0 | $10K | 37.53% |
| VICTORRIO PAUL ZANIOL INC3 Filed as: VICTORRIO PAUL ZANIOL | 7301 6TH AVE N ST PETERSBERG, FL 33710 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 4.48% |
| MICHELLE A BAUGHMAN3 Filed as: MICHELLE BAUGHMAN | 109 BAKER STREET BROUSSARD, LA 70518 | CONTINENTAL AMERICAN INSURANCE COMPANY | $587 | $0 | $587 | 2.28% |
| DEBORAH JUNE CRISP3 Filed as: DEBORAH J CRISP-CALDWELL | 1432 WHITMAN DRIVE CONCORD, NC 28027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $309 | $0 | $309 | 1.20% |
| SHERRY DEAN HOMAN3 Filed as: SHERRY D HOMAN | 113 FLAGG BLVD BLDG 6 SUITE D LAFAYETTE, LA 70508 | CONTINENTAL AMERICAN INSURANCE COMPANY | $154 | $0 | $154 | 0.60% |
| KEITH WILLIAM BELLE3 Filed as: KEITH BELLE | 113 FLAGG PL BLDG 60 LAFAYETTE, LA 70508 | CONTINENTAL AMERICAN INSURANCE COMPANY | $84 | $0 | $84 | 0.33% |
| SUSAN HOOSIER3 | 9385 HWY 88W WARRENSVILLE, NC 38693 | CONTINENTAL AMERICAN INSURANCE COMPANY | $63 | $0 | $63 | 0.25% |
| GWENDOLYN N BUTLER3 Filed as: GWENDOLYN BUTLER | 1440 D OLD LENOIR ROAD HICKORY, NC 28601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $44 | $0 | $44 | 0.17% |
| JOSEPH DUCKETT3 | 13920 58TH STREET N 1002 CLEARWATER, FL 33760 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | $0 | $35 | 0.14% |
| TERESA L SELLS3 Filed as: TERESA SELLS | P.O. BOX 84 WEST JEFFERSON, NC 28694 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | $0 | $9 | 0.04% |
| ENRIQUE INGLESIAS3 | 1706 BELLEAIR FOREST DRIVE SUITE 252 BELLEAIR, FL 33756 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | $0 | $5 | 0.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA EIN 59-2015694 PLAN SPONSOR | Contract Administrator Service code 13 | — | $380K |
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 | 716 | 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) | 716 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 698 | $541K |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 569 | $368K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 569 | $327K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 803 | $251K |
| Short-term disability(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 807 | $658K |
| Long-term disability(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 807 | $658K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 698 | $541K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF FLORIDA | 698 | $541K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 803 | $277K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 807 | — |
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."
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.