| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF FLORIDA, LLC | 4880 NEWBERRY ROAD STE 180 GAINESVILLE, FL 32607 | BLUE CROSS BLUE SHIELD OF FLORIDA | $48K | — | $48K | 3.71% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 4880 NEWBERRY ROAD GAINESVILLE, FL 32607 | BLUE CROSS BLUE SHIELD OF FLORIDA | $17K | — | $17K | 1.29% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF FLORIDA, LLC | 4880 NEWBERRY ROAD STE 180 GAINESVILLE, FL 32607 | HEALTH OPTIONS, INC. | $21K | — | $21K | 3.77% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC | 4880 NEWBERRY ROAD GAINESVILLE, FL 32607 | HEALTH OPTIONS, INC. | $7K | — | $7K | 1.23% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 4880 NEWBERRY RD STE 180 GAINESVILLE, FL 32607 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | — | $8K | 4.92% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 300 COLONIAL CENTER PKWY STE 120 LAKE MARY, FL 32746 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 2.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 300 COLONIAL CENTER PKWY STE 120 LAKE MARY, FL 32746 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 0.72% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 4951 LK BRK DR STE 400 GLEN ALLEN, VA 23060 | PRINCIPAL LIFE INSURANCE COMPANY | — | $469 | $469 | 0.27% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 7800 BELFORT PARKWAY SUITE 270 JACKSONVILLE, FL 32256 | HEALTHIEST YOU | $2K | — | $2K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS HRH - LAKE MARY, FL | 29848 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE | $114 | — | $114 | 1.05% |
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 | 305 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 39 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 347 | 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 | 98 | $1.9M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 305 | $171K |
| Vision | EYEMED VISION CARE | 244 | $11K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 305 | $171K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 305 | $171K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 98 | $1.9M |
| Other | HEALTHIEST YOU | 175 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 305 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.