| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEYES COVERAGE INC3 Filed as: KEYES COVERAGE, INC. | 5900 HIATUS ROAD TAMARAC, FL 333216417 | BLUE CROSS BLUE SHIELD OF FLORIDA | $41K | — | $41K | 3.00% |
| KEYES COVERAGE INC3 Filed as: KEYES COVERAGE, INC. | 5900 HIATUS RD TAMARAC, FL 333216417 | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | $6K | — | $6K | 13.07% |
| BENEFITMALL3 | 6750 N ANDREWS AVE STE 125 FT LAUDERDALE, FL 333092148 | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | $597 | — | $597 | 1.37% |
| FRAN RIZZI3 | FLORIDA BLUE 4800 DEERWOOD CAMPUS PKWY, # DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | $76 | — | $76 | 0.17% |
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 | 241 | 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) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 241 | $1.4M |
| Dental | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | 172 | $44K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 241 | $1.4M |
| 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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.