| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NICHOLS & ASSOCIATES OF BAY COUNTY3 Filed as: NICHOLS & ASSOCIATES OF B | 1229 JENKS AVE. PANAMA CITY, FL 32401 | BLUE CROSS BLUE SHIELD OF FLORIDA | $14K | — | $14K | 2.30% |
| FIDELITY INSURANCE AGENCY INC3 Filed as: FIDELITY INSURANCE AGENCY | 500 JIM MORAN BLVD DEERFIELD BEACH, FL 33442 | BLUE CROSS BLUE SHIELD OF FLORIDA | $10K | — | $10K | 1.70% |
| NICHOLS & ASSOCIATES OF BAY COUNTY3 | 1229 JENKS AVE PANAMA CITY, FL 324012440 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $302 | $1K | 4.40% |
| FIDELITY INSURANCE AGENCY INC3 | 500 JIM MORAN BLVD DEERFIELD BCH, FL 33442 | PRINCIPAL LIFE INSURANCE COMPANY | $744 | $301 | $1K | 3.17% |
| FIDELITY INSURANCE AGENCY INC3 Filed as: FIDELITY INSURANCE AGENCY, INC | 500 JIM MORAN BLVD DEERFIELD BEACH, FL 33442 | FLORIDA COMBINED LIFE | $985 | — | $985 | 11.97% |
| DARLENE SAWYER4 | 14926 GEBLES END DR. ATHENS, AL 35613 | PRE-PAID LEGAL SERVICES, INCDBA LEGAL SHIELD | $783 | — | $783 | 42.32% |
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 | 111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 72 | $618K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 90 | $33K |
| Life insurance | FLORIDA COMBINED LIFE | 101 | $8K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 72 | $618K |
| Other(2 contracts, 2 carriers) | FLORIDA COMBINED LIFE | 101 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 101 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.