| 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 | $70K | — | $70K | 5.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF FLORIDA, LLC | 4880 NEWBERRY ROAD STE 180 GAINESVILLE, FL 32607 | HEALTH OPTIONS, INC. | $29K | — | $29K | 5.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 4880 NEWBERRY RD STE 180 GAINESVILLE, FL 32607 | PRINCIPAL LIFE INSURANCE COMPANY | $13K | — | $13K | 8.25% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE STE 200 HUNT VALLEY, MD 21030 | PRINCIPAL LIFE INSURANCE COMPANY | — | $3K | $3K | 2.14% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF FLORIDA, LLC | 4880 NEWBERRY ROAD SUITE 180 GAINESVILLE, FL 32607 | EYEMED VISION CARE | $106 | — | $106 | 1.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS HRH - LAKE MARY, FL | 300 COLONIAL CENTER PKWY LAKE MARY, FL 32746 | EYEMED VISION CARE | $23 | — | $23 | 0.43% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHIEST YOU EIN 30-0947669 TELADOC ADMIN | Contract Administrator; Claims processing Service code 12 | — | $11K |
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 | 273 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 66 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 341 | 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 | $2.0M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 273 | $158K |
| Vision | EYEMED VISION CARE | 222 | $5K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 273 | $158K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 273 | $158K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 98 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 273 | — |
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.