| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CURRIN INSURANCE & INVESTMENT SERVI3 | 3298 SUMMIT BLVD, STE 27 PENSACOLA, FL 325034350 | BLUE CROSS AND BLUE SHIELD OF FLORIDA | $40K | — | $40K | 4.00% |
| CURRIN INSURANCE & INVESTMENT SERVI3 | 3298 SUMMIT BLVD, STE 27 PENSACOLA, FL 325034350 | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | — | $4K | $4K | 5.35% |
| CURRIN INSURANCE & INVESTMENT SERVI3 | 3298 SUMMIT BLVD, STE 27 PENSACOLA, FL 325034350 | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | — | $8K | $8K | 14.57% |
| NICHOLAS J. BOUZIOS3 | 100 CONCOURSE PARKWAY SUITE 350 HOOVER, AL 35244 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 22.00% |
| WAYNE C FISHER JR3 Filed as: WAYNE C. FISHER, JR. | 100 CONCOURSE PARKWAY SUITE 350 HOOVER, AL 35244 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 18.16% |
| SHERRIE S YOUNG3 | 100 CONCOURSE PARKWAY SUITE 350 HOOVER, AL 35244 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 12.58% |
| JASON PERRY3 Filed as: JASON K. PERRY | 100 CONCOURSE PARKWAY SUITE 350 HOOVER, AL 35244 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 9.62% |
| JOSEPH CAMPUS3 Filed as: JOSEPH J. CAMPUS IV | 100 CONCOURSE PARKWAY SUITE 350 HOOVER, AL 35244 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $440 | — | $440 | 0.81% |
| DAVID ELMORE PLATT III3 Filed as: DAVID R. BROOKS | 100 CONCOURSE PARKWAY SUITE 350 HOOVER, AL 35244 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $438 | — | $438 | 0.81% |
| STEPHANIE CREWS3 | 100 CONCOURSE PARKWAY SUITE 350 HOOVER, AL 35244 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| NICHOLAS J. BOUZIOS3 Filed as: NICHOLAS J BOUZIOUS | 100 CONCOURSE PARKWAY SUITE 350 HOOVER, AL 35244 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 17.52% |
| WAYNE C FISHER JR3 | 100 CONCOURSE PARKWAY SUITE 350 HOOVER, AL 35244 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 17.26% |
| SHERRIE S YOUNG3 | 100 CONCOURSE PARKWAY SUITE 350 HOOVER, AL 35244 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.64% |
| JASON CHRISTOPHER DARWIN3 Filed as: JASON KYLE PERRY | 100 CONCOURSE PARKWAY SUITE 350 HOOVER, AL 35244 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 8.21% |
| DAVID ELMORE PLATT III3 Filed as: DAVID ROY BROOKS | 100 CONCOURSE PARKWAY SUITE 350 HOOVER, AL 35244 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $320 | — | $320 | 1.54% |
| JOSPEH J CAMPUS IV3 | 100 CONCOURSE PARKWAY SUITE 350 HOOVER, AL 35244 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $262 | — | $262 | 1.26% |
| STEPHANIE CREWS3 | 100 CONCOURSE PARKWAY SUITE 350 HOOVER, AL 35244 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $17 | — | $17 | 0.08% |
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 | 373 | 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) | 373 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF FLORIDA | 150 | $1.2M |
| Dental | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | 215 | $72K |
| Life insurance(3 contracts, 2 carriers) | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | 232 | $130K |
| Short-term disability | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | 232 | $55K |
| Long-term disability | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | 232 | $55K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 54 | $221K |
| Other | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | 232 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 232 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.