| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFIT CONSULTANTS3 Filed as: EMPLOYEE BENEFITS CONSULTANTS, INC | 2852 REMINGTON GREEN CIRCLE TALLAHASSEE, FL 32308 | BLUE CROSS BLUE SHIELD OF FLORIDA | $55K | — | $55K | 5.25% |
| FINANCIAL PARTNERS OF NORTH FLORIDA3 Filed as: FINANCIAL PARTNERS OF NORTH FL | 403 E PARK AVE TALLAHASSEE, FL 32301 | STANDARD INSURANCE COMPANY | $9K | $1K | $10K | 20.38% |
| FINANCIAL PARTNERS OF NORTH FLORIDA3 Filed as: FINANCIAL PARTNERS OF NORTH FL | 403 E PARK AVE TALLAHASSEE, FL 32301 | STANDARD INSURANCE COMPANY | $5K | $575 | $6K | 11.01% |
| FINANCIAL PARTNERS OF NORTH FLORIDA3 Filed as: FINANCIAL PARTNERS OF NORTH FL | 403 E PARK AVE TALLAHASSEE, FL 32301 | STANDARD INSURANCE COMPANY | $9K | $1K | $10K | 20.16% |
| ESKRA & ASSOCIATES INC3 Filed as: ESKRA AND ASSOCIATES | 355 ALHAMBRA CIRCLE, STE 1550 CORAL GABLES, FL 33134 | STANDARD INSURANCE COMPANY | $4K | $7K | $11K | 26.13% |
| POPE III, MELVIN LIONEL3 | 403 EAST PARK AVE TALLAHASSEE, FL 32301 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 15.11% |
| ENROLLEASE3 Filed as: MORRIS, ROBERT CLARKE | 2016 SE 5TH ST OCALA, FL 34471 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 3.28% |
| FINANCIAL PARTNERS OF NORTH FLORIDA3 Filed as: FINANCIAL PARTNERS OF NORTH FL | 403 E PARK AVE TALLAHASSEE, FL 32301 | STANDARD INSURANCE COMPANY | $6K | $792 | $7K | 20.17% |
| FINANCIAL PARTNERS OF NORTH FLORIDA3 Filed as: FINANCIAL PARTNERS OF NORTH FL | 403 EAST PARK AVE TALLAHASSEE, FL 32301 | STANDARD INSURANCE COMPANY | $811 | $201 | $1K | 12.16% |
| VARIOUS - SEE ATTACHED3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $771 | $3K | 53.27% |
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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 100 | $1.1M |
| Dental | STANDARD INSURANCE COMPANY | 120 | $50K |
| Vision | STANDARD INSURANCE COMPANY | 76 | $8K |
| Life insurance | STANDARD INSURANCE COMPANY | 136 | $50K |
| Short-term disability | STANDARD INSURANCE COMPANY | 136 | $48K |
| Long-term disability | STANDARD INSURANCE COMPANY | 136 | $35K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 100 | $1.1M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 36 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.