| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DR SUITE 200 CAMDEN, NJ 08103 | FLORIDA HEALTH CARE PLANS, INC. | $39K | — | $39K | 4.53% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 1540 CORNERSTONE BLVD SUITE 200 DAYTONA BEACH, FL 32117 | FLORIDA HEALTH CARE PLANS, INC. | $3K | — | $3K | 0.39% |
| HALIFAX INSURANCE PARTNERS, LLC3 | 1540 CORNERSTONE BLVD STE 200 DAYTONA BEACH, FL 321177144 | BLUE CROSS BLUE SHIELD OF FLORIDA | $16K | — | $16K | 5.00% |
| HALIFAX INSURANCE PARTNERS, LLC3 | 1540 CORNERSTONE BLVD STE 200 DAYTONA BEACH, FL 321177144 | FLORIDA COMBINED LIFE | $10K | — | $10K | 17.33% |
| HALIFAX INSURANCE PARTNERS, LLC3 | 1540 CORNERSTONE BLVD STE 200 DAYTONA BEACH, FL 321177144 | USABLE LIFE | $4K | — | $4K | 7.94% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $2K | — | $2K | 5.55% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS OF FLORIDA | LLC 1540 CORNERSTONE BLVD STE 200 DAYTONA BEACH, FL 321177144 | USABLE LIFE | $2K | — | $2K | 4.74% |
| FOUNDATION RISK PARTNERS CORP3 | 1540 CORNERSTONE BLVD STE DAYTONA BEACH, FL 321177143 | HUMANA INSURANCE COMPANY | $1K | $43 | $1K | 10.28% |
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 | 180 | 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) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 28 | $314K |
| Dental | FLORIDA COMBINED LIFE | 149 | $60K |
| Vision | HUMANA INSURANCE COMPANY | 105 | $13K |
| Life insurance | USABLE LIFE | 112 | $45K |
| Other | USABLE LIFE | 112 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.