| 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 | $84K | — | $84K | 4.00% |
| BARNES INSURANCE & FINANCIAL SERVIC3 Filed as: BARNES INS & FINANCIAL SERVICES | 1582 AIRPORT BOULEVARD PENSACOLA, FL 32504 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 2.63% |
| BARNES INSURANCE & FINANCIAL SERVIC3 Filed as: BARNES INSURANCE AND FINANCIAL | 1582 AIRPORT BOULEVARD PENSACOLA, FL 32504 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 4.45% |
| BARNES INSURANCE & FINANCIAL SERVIC3 Filed as: BARNES INSURANCE AND FINANCIAL | 1582 AIRPORT BOULEVARD PENSACOLA, FL 32504 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 14.98% |
| BARNES INSURANCE & FINANCIAL SERVIC3 Filed as: BARNES INSURANCE & FINACIAL SERVICE | 1582 AIRPORT BOULEVARD PENSACOLA, FL 32504 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 10.59% |
| BARNES INSURANCE & FINANCIAL SERVIC3 Filed as: BARNES INSURANCE AND FINANCIAL | 1582 AIRPORT BOULEVARD PENSACOLA, FL 32504 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 13.30% |
| JASON BRADY & ASSOCIATES, INC3 | 1050 EDGEWATER LANE GULF BREEZE, FL 32563 | CONTINENTAL AMERICAN INSURANCE COMPANY | $145 | — | $145 | 3.91% |
| JOHN C POLLOCK3 | 6410 GUILFORD DRIVE PENSACOLA, FL 32504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $117 | — | $117 | 3.15% |
| BRIAN V ANDREWS3 | 600 UNIVERSITY OFFICE PARK SUITE 12 PENSACOLA, FL 32504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $56 | — | $56 | 1.51% |
| SAIC INC3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.70% |
| JULIANA SHORES3 | 159 CALHOUN AVENUE DESTIN, FL 32541 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.32% |
| JOHN TODD LEE3 | 322 FARMHOUSE ROAD ELLERSLIE, GA 31807 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.16% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DRIVE MONTGOMERY, AL 36117 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.16% |
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 | 390 | 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) | 390 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 245 | $2.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 693 | $187K |
| Vision | HUMANA INSURANCE COMPANY | 218 | $29K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 389 | $232K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 389 | $185K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 245 | $2.1M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 389 | $236K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 693 | — |
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.