| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMBINED INSURANCE SERVICES3 Filed as: COMBINED INSURANCE SERVICES INC | 1701 NE 42ND AVE # 200 OCALA, FL 34470 | HUMANA MEDICAL PLAN, INC. | $11K | — | $11K | 2.52% |
| COMBINED INSURANCE SERVICES3 Filed as: COMBINED INS SER INC DBA TORGERSEN | 1403 E. BELMONT ST PENSACOLA, FL 32501 | HUMANA MEDICAL PLAN, INC. | $9K | — | $9K | 2.05% |
| LASSITER WARE3 Filed as: LASSITER-WARE INC-LAKE COUNTY | PO BOX 490690 LEESBURG, FL 34749 | HUMANA MEDICAL PLAN, INC. | $2K | — | $2K | 0.43% |
| COMBINED INS SERVICES INC3 | PO BOX 2438 OCALA, FL 34478 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 4.16% |
| COMBINED INS SERVICES INC3 | PO BOX 2438 OCALA, FL 34478 | STANDARD INSURANCE COMPANY | $203 | — | $203 | 0.56% |
| COMBINED INS SERVICES INC3 | PO BOX 2438 OCALA, FL 34478 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 8.30% |
| COMBINED INS SERVICES INC3 | PO BOX 2438 OCALA, FL 34478 | STANDARD INSURANCE COMPANY | $246 | — | $246 | 1.13% |
| LASSITER WARE3 Filed as: LASSITER-WARE INC. | PO BOX 490690 LEESBURG, FL 34749 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $608 | — | $608 | 10.00% |
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 | 127 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA MEDICAL PLAN, INC. | 74 | $445K |
| Dental | STANDARD INSURANCE COMPANY | 70 | $36K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 57 | $6K |
| Life insurance | STANDARD INSURANCE COMPANY | 127 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.