| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ERIK PARKER3 | WILLIS OF FLORIDA INC 4880 NEWBERRY RD GAINESVILLE, FL 32607 | BLUE CROSS BLUE SHIELD OF FLORIDA | $55K | — | $55K | 3.65% |
| ANNE BORNGESSER3 | HYLANT GROUP INC 7077 BONNEVAL RD STE 120 JACKSONVILLE, FL 322164043 | BLUE CROSS BLUE SHIELD OF FLORIDA | $5K | — | $5K | 0.35% |
| WALDORFF INSURANCE & BONDING INC3 | 45 EGLIN PKWY STE 202 FT WALTON BCH, FL 32549 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 9.12% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $787 | — | $787 | 0.88% |
| WALDORFF INSURANCE & BONDING INC3 Filed as: WALDORFF INS & BONDING INC | 45 EGLIN PKWY NE STE 202 FORT WALTON BEACH, FL 32548 | SUN LIFE ASSURANCE COMPANY | $5K | — | $5K | 8.23% |
| HYLANT GROUP INC3 | 7077 BONNEVAL RD STE 550 JCKSONVILLE, FL 32216 | SUN LIFE ASSURANCE COMPANY | $1K | — | $1K | 1.76% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC - SEE ATTACHED LIST | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $3K | $205 | $3K | 12.34% |
| WALDORFF INSURANCE & BONDING INC3 | 45 EGLIN PKWY NE STE 202 FT WALTON BEACH, FL 325484955 | HUMANA INSURANCE COMPANY | $836 | — | $836 | 10.06% |
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 | 124 | 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) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 124 | $1.5M |
| Dental | SUN LIFE ASSURANCE COMPANY | 116 | $59K |
| Vision | HUMANA INSURANCE COMPANY | 65 | $8K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 160 | $90K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 160 | $90K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 160 | $90K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 124 | $1.5M |
| Other(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 160 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.