| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BARNES INSURANCE & FINANCIAL SERVIC3 | 1582 AIRPORT BOULEVARD PENSACOLA, FL 32504 | BLUE CROSS BLUE SHIELD OF FLORIDA | $75K | — | $75K | 4.00% |
| BARNES INSURANCE & FINANCIAL SERVIC3 Filed as: BARNES INSURANCE AND FINANCIAL | 1582 AIRPORT BOULEVARD PENSACOLA, FL 32504 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 7.16% |
| BARNES INSURANCE & FINANCIAL SERVIC3 Filed as: BARNES INS & FINANCIAL SERVICES | 1582 AIRPORT BOULEVARD PENSACOLA, FL 32504 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $1K | $6K | 3.43% |
| BARNES INSURANCE & FINANCIAL SERVIC3 Filed as: BARNES INSURANCE AND FINANCIAL | 1582 AIRPORT BOULEVARD PENSACOLA, FL 32504 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 15.42% |
| BARNES INSURANCE & FINANCIAL SERVIC3 Filed as: BARNES INSURANCE & FINACIAL SERVICE | 1582 AIRPORT BOULEVARD PENSACOLA, FL 32504 | HUMANA INSURANCE COMPANY | $983 | — | $983 | 4.07% |
| BARNES INSURANCE & FINANCIAL SERVIC3 Filed as: BARNES INSURANCE AND FINANCIAL | 1582 AIRPORT BOULEVARD PENSACOLA, FL 32504 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 14.49% |
| BARNES INSURANCE & FINANCIAL SERVIC3 | 1582 AIRPORT BOULEVARD PENSACOLA, FL 32504 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.01% |
| JASON A BRADY3 | 4127 OAK POINTE DRIVE GULF BREEZE, FL 32566 | CONTINENTAL AMERICAN INSURANCE COMPANY | $572 | — | $572 | 11.77% |
| JOHN C POLLOCK3 | 6410 GUILFORD DRIVE PENSACOLA, FL 32504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $217 | — | $217 | 4.47% |
| BRIAN V ANDREWS3 | 600 UNIVERSITY OFFICE PARK SUITE 12 PENSACOLA, FL 32504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $117 | — | $117 | 2.41% |
| SAIC INC3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $69 | — | $69 | 1.42% |
| JULIANA SHORES3 | 159 CALHOUN AVENUE DESTIN, FL 32541 | CONTINENTAL AMERICAN INSURANCE COMPANY | $52 | — | $52 | 1.07% |
| JOHN TODD LEE3 | 322 FARMHOUSE ROAD ELLERSLIE, GA 31807 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.27% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DRIVE MONTGOMERY, AL 36117 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.27% |
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 | 395 | 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) | 395 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 225 | $1.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 759 | $169K |
| Vision | HUMANA INSURANCE COMPANY | 186 | $24K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 395 | $187K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 25 | $12K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 395 | $187K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 395 | $286K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 759 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.