| 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 | $83K | — | $83K | 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% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 1582 AIRPORT BOULEVARD PENSACOLA, FL 32504 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $437 | $8K | 4.57% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 1582 AIRPORT BOULEVARD PENSACOLA, FL 32504 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $204 | $13K | 15.25% |
| BARNES INSURANCE & FINANCIAL SERVIC3 | 1582 AIRPORT BOULEVARD PENSACOLA, FL 32504 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 9.98% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 1582 AIRPORT BOULEVARD PENSACOLA, FL 32504 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $63 | $3K | 12.97% |
| JASON BRADY & ASSOCIATES, INC3 | 1050 EDGEWATER LANE GULF BREEZE, FL 32563 | CONTINENTAL AMERICAN INSURANCE COMPANY | $138 | — | $138 | 3.90% |
| JOHN C POLLOCK3 | 6410 GUILFORD DRIVE PENSACOLA, FL 32504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $112 | — | $112 | 3.16% |
| BRIAN V ANDREWS3 | 600 UNIVERSITY OFFICE PARK SUITE 12 PENSACOLA, FL 32504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $53 | — | $53 | 1.50% |
| SAIC INC3 | 4245 MILGEN RD COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | — | $25 | 0.71% |
| JULIANA SHORES3 | 159 CALHOUN AVE DESTIN, FL 32541 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.34% |
| STAN A SHERLIN3 | 733 TOWNE LAKE DRIVE MONTGOMERY, AL 36117 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.17% |
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 | 382 | 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) | 382 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 232 | $2.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 565 | $192K |
| Vision | HUMANA INSURANCE COMPANY | 231 | $30K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 380 | $254K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 380 | $197K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 380 | $258K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 565 | — |
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.