| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE MANAGEMENT SERVICES3 Filed as: INSURANCE MANAGEMENT CORP | 2727 ELEANOR WAY WELLINGTON, FL 334143419 | HEALTH OPTIONS, INC | $38K | — | $38K | 5.00% |
| INSURANCE MANAGEMENT SERVICES3 Filed as: INSURANCE MANAGEMENT CORP | 2727 ELEANOR WAY WELLINGTON, FL 334143419 | BLUE CROSS BLUE SHIELD OF FLORIDA | $8K | — | $8K | 5.00% |
| INSURANCE MANAGEMENT SERVICES3 Filed as: INSURANCE MANAGEMENT CORP | 2727 ELEANOR WAY WELLINGTON, FL 334143419 | FLORIDA COMBINED LIFE | $4K | — | $4K | 10.02% |
| FLORIDA BLUE3 | 4800 DEERWOOD CAMPUS PKWY JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $291 | — | $291 | 0.82% |
| INSURANCE MANAGEMENT SERVICES3 Filed as: INSURANCE MANAGEMENT CORP | 2727 ELEANOR WAY WELLINGTON, FL 334143410 | FLORIDA COMBINED LIFE | $118 | — | $118 | 1.05% |
| INSURANCE MANAGEMENT SERVICES3 Filed as: INSURANCE MANAGEMENT CORP | 2727 ELEANOR WAY WELLINGTON, FL 33414 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $970 | — | $970 | 12.99% |
| DAVIS II COMPANIES LLC3 | 5426 BAY CENTER DR SUITE 550 TAMPA, FL 33609 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5 | — | $5 | 0.07% |
| INSURANCE MANAGEMENT SERVICES3 Filed as: INSURANCE MANAGEMENT CORP | 2727 ELEANOR WAY WELLINGTON, FL 33414 | BLUECROSS BLUESHIELD OF FLORIDA, INC. | — | — | $0 | 0.00% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $22 | — | $22 | — |
| INSURANCE MANAGEMENT SERVICES3 Filed as: INSURANCE MANAGEMENT CORP | 2727 ELEANOR WAY WELLINGTON, FL 33414 | USABLE LIFE | $90 | — | $90 | — |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BLUESHIELD OF FLORIDA | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $30 | — | $30 | — |
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 | 75 | 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) | 75 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC | 79 | $910K |
| Dental(2 contracts) | FLORIDA COMBINED LIFE | 80 | $47K |
| Vision | BLUECROSS BLUESHIELD OF FLORIDA, INC. | 64 | $7K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 75 | $7K |
| Long-term disability | USABLE LIFE | 8 | $0 |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC | 79 | $910K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 75 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 80 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.