| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN HOWARD3 | 1560 ORANGE AVE STE 750 WINTER PARK, FL 32789 | CAPITAL HEALTH PLAN | $38K | — | $38K | 3.26% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS GUNTER VAUGHN INSURANCE AGCY | 1117 THOMASVILLE ROAD TALLAHASSEE, FL 323036223 | BLUE CROSS BLUE SHIELD OF FLORIDA | $25K | — | $25K | 4.00% |
| JOHN H. HOWARD3 | 1117 THOMASVILLE RD TALLAHASSEE, FL 32303 | UNITED CONCORDIA INSURANCE COMPANY | $13K | — | $13K | 10.79% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS GUNTER VAUGHN INSURANCE | 1117 THOMASVILLE RD TALLAHASSEE, FL 32303 | UNITED CONCORDIA INSURANCE COMPANY | $29 | — | $29 | 0.02% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS GUNTER VAUGHN INSURANCE | 1117 THOMASVILLE ROAD TALLAHASSEE, FL 32303 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 14.69% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS, GUNTER, VAUGHN INSURANCE | 1117 THOMASVILLE ROAD TALLAHASSEE, FL 32303 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 14.17% |
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 | 182 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAPITAL HEALTH PLAN | 179 | $1.8M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 97 | $119K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 182 | $147K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 182 | $105K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 182 | $105K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 42 | $621K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 182 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.