| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BARNES INS & FINANCIAL SVCS AN ALER3 | 1582 AIRPORT BOULEVARD PENSACOLA, FL 32504 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $24K | $24K | 4.16% |
| BARNES INS & FINANCIAL SVCS AN ALER3 | 1582 AIRPORT BOULEVARD PENSACOLA, FL 32504 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 9.13% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 1582 AIRPORT BOULEVARD PENSACOLA, FL 32504 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $329 | $5K | 11.19% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 1582 AIRPORT BOULEVARD PENSACOLA, FL 32504 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $173 | $4K | 15.75% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 1582 AIRPORT BOULEVARD PENSACOLA, FL 32504 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $104 | $2K | 15.76% |
| JAMES G LITTLE3 | 1582 AIRPORT BOULEVARD PENSACOLA, FL 32504 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 9.93% |
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 | 106 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 112 | $571K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 311 | $64K |
| Vision | HUMANA INSURANCE COMPANY | 98 | $12K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 159 | $67K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 159 | $44K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 159 | $58K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 159 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 311 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.