| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BARNES INSURANCE & FINANCIAL SERVIC3 Filed as: BARNES INSURANCE & FINANC | 1582 AIRPORT BLVD PENSACOLA, FL 32504 | BLUE CROSS BLUE SHIELD OF FLORIDA | $22K | — | $22K | 4.00% |
| BARNES INSURANCE & FINANCIAL SERVIC3 | — | UNITED CONCORDIA INSURANCE COMPANY | $6K | — | $6K | 9.93% |
| BARNES INSURANCE & FINANCIAL SERVIC3 Filed as: BARNES INSURANCE & FINANCIAL | 1582 AIRPORT BLVD PENSACOLA, FL 32504 | BLUE CROSS BLUE SHIELD OF FLORIDA | $2K | — | $2K | 4.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 1582 AIRPORT BLVD PENSACOLA, FL 32504 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $91 | $4K | 10.63% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 1582 AIRPORT BLVD PENSACOLA, FL 32504 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $53 | $3K | 15.25% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 1582 AIRPORT BLVD PENSACOLA, FL 32504 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $32 | $2K | 15.25% |
| JAMES G LITTLE3 | 1582 AIRPORT BLVD PENSACOLA, FL 32504 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 10.00% |
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 | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 101 | $619K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 107 | $64K |
| Vision | HUMANA INSURANCE COMPANY | 88 | $11K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 145 | $57K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 145 | $36K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 145 | $49K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 101 | $619K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 145 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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.