| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 501 RIVERSIDE AVENUE, SUITE 1000 JACKSONVILLE, FL 32202 | BLUE CROSS BLUE SHIELD OF FLORIDA | $25K | $0 | $25K | 1.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 501 RIVERSIDE AVENUE, SUITE 1000 JACKSONVILLE, FL 32202 | HEALTH OPTIONS, INC. | $23K | $0 | $23K | 1.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 501 RIVERSIDE AVENUE, SUITE 1000 JACKSONVILLE, FL 32202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27K | $0 | $27K | 8.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $10K | $10K | 3.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 501 RIVERSIDE AVENUE, SUITE 1000 JACKSONVILLE, FL 32202 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $107 | $5K | 3.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $10 | $10 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2255 GLADES ROAD, SUITE 240W BOCA RATON, FL 33431 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | $0 | $9K | 25.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $317 | $317 | 0.90% |
| US BENTECH WORKPLACE SOLUTIONS3 | 99 WOOD AVENUE SOUTH, SUITE 501 ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $54 | $0 | $54 | 0.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 501 RIVERSIDE AVENUE, SUITE 1000 JACKSONVILLE, FL 32202 | BLUECROSS BLUESHIELD OF FLORIDA, INC. | $3K | $0 | $3K | 9.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 501 RIVERSIDE AVENUE, SUITE 1000 JACKSONVILLE, FL 32202 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $518 | $0 | $518 | 2.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | ARAG INSURANCE COMPANY | $1K | $0 | $1K | 12.00% |
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 BLUE SHIELD OF FLORIDA | 140 | $3.2M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 549 | $195K |
| Vision | BLUECROSS BLUESHIELD OF FLORIDA, INC. | 231 | $35K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 373 | $314K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 373 | $314K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 373 | $314K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 140 | $3.2M |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 373 | $358K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 549 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.