| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | BLUE CROSS BLUE SHIELD OF FLORIDA | $87K | $0 | $87K | 1.90% |
| HILLCREST INSURANCE SERVICES, INC.3 Filed as: HILLCREST INSURANCE AGENCY | 18500 US HIGHWAY 441 MOUNT DORA, FL 32757 | BLUE CROSS BLUE SHIELD OF FLORIDA | $58K | $0 | $58K | 1.26% |
| ALLIANT INSURANCE SERVICES, INC.3 | 2300 GLADES ROAD, SUITE 250W BOCA RATON, FL 33431 | METROPOLITAN LIFE INSURANCE COMPANY | $34K | $109 | $34K | 10.16% |
| HILLCREST AGENCY INC.3 Filed as: HILLCREST AGENCY INC | 18500 US HIGHWAY 441 MOUNT DORA, MN 32757 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $0 | $25K | 7.62% |
| ROGERS BENEFIT GROUP INC3 | 8000 NORMAN CENTER DRIVE, SUITE 605 BLOOMINGTON, MN 55437 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $3K | $20K | 6.11% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $18 | $7K | 2.21% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER ROAD, SUITE 900 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $15 | $15 | 0.00% |
| HILLCREST INSURANCE SERVICES, INC.3 Filed as: HILLCREST INSURANCE AGENCY | 18500 US HIGHWAY 441 MOUNT DORA, FL 32757 | FLORIDA COMBINED LIFE | $13K | $0 | $13K | 7.27% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | FLORIDA COMBINED LIFE | $10K | — | $10K | 5.88% |
| FLORIDA BLUE3 | 4800 DEERWOOD CAMPUS PARKWAY SUITE DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $1K | $0 | $1K | 0.70% |
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 | 450 | 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) | 450 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 233 | $4.6M |
| Dental | FLORIDA COMBINED LIFE | 274 | $177K |
| Vision | BLUE CROSS BLUE SHIELD OF FLORIDA | 233 | $4.6M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 579 | $332K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 579 | $332K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 579 | $332K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 233 | $4.6M |
| Other(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 579 | $4.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 579 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.