| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COADVANTAGE INSURANCE SOLUTIONS COR3 Filed as: COADVANTAGE INSURANCE SOLUTIONS | 135 W CENTRAL BLVD STE 600 ORLANDO, FL 32801 | BLUE CROSS AND BLUE SHIELD OF FLORIDA | $742K | — | $742K | 0.98% |
| COADVANTAGE INSURANCE SOLUTIONS COR3 Filed as: COADVANTAGE INSURANCE SOLUTIONS | 135 W CENTRAL BLVD STE 600 ORLANDO, FL 32801 | OXFORD HEALTH INSURANCE INC | $946K | — | $946K | 2.96% |
| COADVANTAGE INSURANCE SOLUTIONS COR3 Filed as: COADVANTAGE INSURANCE SOLUTIONS | 135 W CENTRAL BLVD STE 600 ORLANDO, FL 32801 | HEALTH OPTIONS INC | $334K | — | $334K | 1.17% |
| COADVANTAGE INSURANCE SOLUTIONS COR3 Filed as: COADVANTAGE INSURANCE SOLUTIONS | 136 W CENTRAL BLVD STE 600 ORLANDO, FL 32801 | AETNA LIFE INSURANCE CO | $800K | — | $800K | 8.09% |
| COADVANTAGE INSURANCE SOLUTIONS COR3 Filed as: COADVANTAGE INSURANCE SOLUTIONS | 135 W CENTRAL BLVD STE 600 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE CO | $89K | $20 | $89K | 2.61% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOC LLC | PO BOX 95135 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE CO | — | $25K | $25K | 0.74% |
| BRIDGESTREET CONSULTING & INSURANCE3 Filed as: BRIDGESTREET CONSULTING & INS | 1350 TREAT BLVD STE 550 WALNUT CREEK, CA 94597 | METROPOLITAN LIFE INSURANCE CO | — | $57 | $57 | 0.00% |
| USI INSURANCE SERVICES LLC3 Filed as: WELLS FARGO DBA USI INSURANCE | 1350 TREAT BLVD STE 550 WALNUT CREEK, CA 94597 | METROPOLITAN LIFE INSURANCE CO | — | $57 | $57 | 0.00% |
| COADVANTAGE INSURANCE SOLUTIONS COR3 Filed as: COADVANTAGE INSURANCE SOLUTIONS | 135 W CENTRAL BLVD STE 600 ORLANDO, FL 32801 | UNUM LIFE INSURANCE CO OF AMERICA | $330K | — | $330K | 14.91% |
| COADVANTAGE INSURANCE SOLUTIONS COR3 Filed as: COADVANTAGE INSURANCE SOLUTIONS | 135 W CENTRAL BLVD STE 600 ORLANDO, FL 32801 | UNUM LIFE INSURANCE CO OF AMERICA | $258K | — | $258K | 13.29% |
| COADVANTAGE INSURANCE SOLUTIONS COR3 Filed as: COADVANTAGE INSURANCE SOLUTIONS | 136 W CENTRAL BLVD STE 600 ORLANDO, FL 32801 | AMERICAN HERITAGE LIFE INSURANCE CO | $281K | — | $281K | 15.27% |
| HOWARD B LABOW3 | 666 DUNDEE RD STE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE CO | $229K | — | $229K | 12.41% |
| PROGRESSIVE INSUR AGENCY, INC.3 Filed as: PROGRESSIVE EMP INS AGENCY INC | 6407 PARKLAND DRIVE SARASOTA, FL 34243 | AMERICAN HERITAGE LIFE INSURANCE CO | $5K | — | $5K | 0.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL MIDWEST LIMITED | 1330 LADY STREET COLUMBIA, SC 29201 | AMERICAN HERITAGE LIFE INSURANCE CO | $430 | — | $430 | 0.02% |
| ROBERT PAUL MASON3 | 11638 BRISTOL CHASE DRIVE TAMPA, FL 33626 | AMERICAN HERITAGE LIFE INSURANCE CO | $74 | — | $74 | 0.00% |
| WILLIAM MAGEE3 | 1208 COUNTRY LANE ORLANDO, FL 32804 | AMERICAN HERITAGE LIFE INSURANCE CO | $58 | — | $58 | 0.00% |
| FORTUNE INSURANCE SOLUTIONS LLC3 | 13101 TELECOMDR STE 100 TAMPA, FL 33637 | AMERICAN HERITAGE LIFE INSURANCE CO | $23 | — | $23 | 0.00% |
| TRIANA M RESTO3 | 11391 MW 37TH ST SUNRISE, FL 33323 | AMERICAN HERITAGE LIFE INSURANCE CO | $16 | — | $16 | 0.00% |
| AOR & ASSOCIATES3 Filed as: AOR & ASSOCIATES INS | 17633 GUNN HWY STE 121 ODESSA, FL 33556 | AMERICAN HERITAGE LIFE INSURANCE CO | $15 | — | $15 | 0.00% |
| JAMES ANTHONY3 | 6610 YARDLEY WAY TAMPA, FL 33647 | AMERICAN HERITAGE LIFE INSURANCE CO | $12 | — | $12 | 0.00% |
| ARTHUR HOFFMAN3 | 5074 NW 86 WAY CORAL SPRINGS, FL 33067 | AMERICAN HERITAGE LIFE INSURANCE CO | $11 | — | $11 | 0.00% |
| ANNETTE MARIE STROHMEIER3 | 18331 PINES BLVD #205 PEMBROKE PINES, FL 33029 | AMERICAN HERITAGE LIFE INSURANCE CO | $8 | — | $8 | 0.00% |
| BENETEK CORPORATION3 Filed as: BENETEK CORP | 4725 WEST SANDLAKE RD ORLANDO, FL 32819 | AMERICAN HERITAGE LIFE INSURANCE CO | $3 | — | $3 | 0.00% |
| COADVANTAGE INSURANCE SOLUTIONS COR3 Filed as: COADVANTAGE INSURANCE SOLUTIONS | 135 W CENTRAL BLVD STE 600 ORLANDO, FL 32801 | UNUM LIFE INSURANCE CO OF AMERICA | $205K | — | $205K | 12.28% |
| COADVANTAGE INSURANCE SOLUTIONS COR3 Filed as: COADVANTAGE INSURANCE SOLUTIONS | 135 W CENTRAL BLVD STE 600 ORLANDO, FL 32801 | UNUM LIFE INSURANCE CO OF AMERICA | $112K | — | $112K | 11.19% |
| COADVANTAGE INSURANCE SOLUTIONS COR3 Filed as: COADVANTAGE INSURANCE SOLUTIONS | 135 W CENTRAL BLVD STE 600 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE CO | $129K | — | $129K | 16.77% |
| HOWARD B LABOW3 | 666 DUNDEE RD STE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE CO | $35K | — | $35K | 6.28% |
| COADVANTAGE INSURANCE SOLUTIONS COR3 Filed as: COADVANTAGE INSURANCE SOLUTIONS | 135 W CENTRAL BLVD STE 600 ORLANDO, FL 32801 | AMERICAN HERITAGE LIFE INSURANCE CO | $35K | — | $35K | 6.28% |
| WILLIAM MAGEE3 | 135 W CENTRAL BLVD STE 600 ORLANDO, FL 32801 | KAISER FOUNDATION HEALTH PLAN INC | $6K | — | $6K | 4.45% |
| WILLIAM MAGEE3 | 135 W CENTRAL BLVD STE 600 ORLANDO, FL 32801 | KAISER FOUNDATION HEALTH PLAN INC | $1K | — | $1K | 2.57% |
| HOWARD B LABOW3 | 666 DUNDEE RD STE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE CO | $5K | — | $5K | 17.49% |
| COADVANTAGE INSURANCE SOLUTIONS COR3 Filed as: COADVANTAGE INSURANCE SOLUTIONS | 135 W CENTRAL BLVD STE 600 ORLANDO, FL 32801 | AMERICAN HERITAGE LIFE INSURANCE CO | $4K | — | $4K | 16.47% |
| HOWARD B LABOW | 666 DUNDEE RD STE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE CO | $868 | — | $868 | 5.54% |
| COADVANTAGE INSURANCE SOLUTIONS COR3 Filed as: COADVANTAGE INSURANCE SOLUTIONS | 135 W CENTRAL BLVD STE 600 ORLANDO, FL 32801 | AMERICAN HERITAGE LIFE INSURANCE CO | $867 | — | $867 | 5.53% |
| COADVANTAGE INSURANCE SOLUTIONS COR3 Filed as: COADVANTAGE INSURANCE SOLUTIONS | 135 W CENTRAL BLVD STE 600 ORLANDO, FL 32801 | AMERICAN HERITAGE LIFE INSURANCE CO | $93 | — | $93 | 9.24% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE HOLDINGS INC | PO BOX 1313 ORLANDO, FL 32802 | AMERICAN HERITAGE LIFE INSURANCE CO | $7 | — | $7 | 0.70% |
| COADVANTAGE INSURANCE SOLUTIONS COR3 Filed as: COADVANTAGE INSURANCE SOLUTIONS | 135 W CENTRAL BLVD STE 600 ORLANDO, FL 32801 | ANTHEM LIFE INSURANCE COMPANY | $1.1M | — | $1.1M | — |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 4600 S SYRACUSE ST STE 1250 DENVER, CO 80237 | ANTHEM LIFE INSURANCE COMPANY | — | $148K | $148K | — |
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 | 28,950 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 345 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 29,295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 6 carriers) | OXFORD HEALTH INSURANCE INC | 8,288 | $58.3M |
| Dental(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO | 30,145 | $13.4M |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE CO | 30,145 | $3.5M |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE CO | 30,145 | $4.4M |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE CO OF AMERICA | 3,014 | $3.6M |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE CO OF AMERICA | 3,014 | $3.6M |
| Prescription drug(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF FLORIDA | 6,556 | $104.4M |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE CO | 30,145 | $6.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 30,145 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.