| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS TECHNOLOGIES LLC3 Filed as: BENEFITS TECHNOLOGIES DIVISION | 8110 CYPRESS PLAZA DR. SUITE 201 JACKSONVILLE, FL 32256 | FLORIDA BLUE | $53K | — | $53K | 15.00% |
| EMPLOYEE BENEFITS CONSULTANTS3 Filed as: EMPLOYEE BENEFITS CONSULTANTS, INC | 2709 KILLARNEY WAY #6 TALLAHASSEE, FL 323093225 | USABLE LIFE | $4K | — | $4K | 2.10% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMOUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $2K | — | $2K | 1.05% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: US BENTEC WORKPLACE SOULTIONS LLC | 99 WOOD AVE S STE 501 ISELIN, NJ 088302715 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | 11.75% |
| ROBERT HUNTER WHITTINGTON3 | 700 W HILLSBORO BLVD BLDG 2 STE 102 DEERFIELD BEACH, FL 33441 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 19.23% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: US BENTEC WORKPLACE SOULTIONS LLC | 99 WOOD AVE S STE 501 ISELIN, NJ 088302715 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $479 | — | $479 | 2.94% |
| ROBERT HUNTER WHITTINGTON3 | 700 W HILLSBORO BLVD BLDG 2 STE 102 DEERFIELD BEACH, FL 33441 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 12.52% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: US BENTEC WORKPLACE SOULTIONS LLC | 99 WOOD AVE S STE 501 ISELIN, NJ 088302715 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $156 | — | $156 | 1.83% |
| ALLIANCE INSURANCE GROUP LLC3 | PO BOX 240518 MONTGOMERY, AL 36124 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.15% |
| MCCOLLUM CLIFFORD H JR3 | 1809 CORPORATE DR OPELIKA, AL 36801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.05% |
| ROBERT HUNTER WHITTINGTON3 | 700 W HILLSBORO BLVD BLDG 2 STE 102 DEERFIELD BEACH, FL 33441 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $318 | — | $318 | 4.85% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: US BENTEC WORKPLACE SOULTIONS LLC | 99 WOOD AVE S STE 501 ISELIN, NJ 088302715 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $138 | — | $138 | 2.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 2056 VISTA PARKWAY STE 300 WEST PALM BEACH, FL 33411 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $38 | — | $38 | 0.58% |
| ROBERT HUNTER WHITTINGTON3 | 700 W HILLSBORO BLVD BLDG 2 STE 102 DEERFIELD BEACH, FL 33441 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $860 | — | $860 | 15.34% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: US BENTEC WORKPLACE SOULTIONS LLC | 99 WOOD AVE S STE 501 ISELIN, NJ 088302715 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $260 | — | $260 | 4.64% |
| ROBERT HUNTER WHITTINGTON3 | 700 W HILLSBORO BLVD BLDG 2 STE 102 DEERFIELD BEACH, FL 33441 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 19.13% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: US BENTEC WORKPLACE SOULTIONS LLC | 99 WOOD AVE S STE 501 ISELIN, NJ 088302715 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $231 | — | $231 | 4.33% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUE SHIELD OF FLORIDA EIN 59-2015694 CONTRACT ADMINSITRATOR | Contract Administrator Service code 13 | — | $87K |
| EMPLOYEE BENEFITS CONSULTANT EIN 59-3484703 INSURANCE AGENTS | Insurance agents and brokers Service code 22 | — | $0 |
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 | 146 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 53 | $42K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 257 | $90K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 257 | $90K |
| Life insurance(6 contracts, 2 carriers) | USABLE LIFE | 889 | $212K |
| Short-term disability(6 contracts, 2 carriers) | USABLE LIFE | 889 | $212K |
| Long-term disability(2 contracts, 2 carriers) | USABLE LIFE | 889 | $176K |
| Stop-loss / reinsurancereinsurance | FLORIDA BLUE | 146 | $352K |
| Other | USABLE LIFE | 889 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 889 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.