| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FLORIDA BLUE3 Filed as: GREG FERGUSON FLORIDA BLUE | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINES LIFE INSURANCE COMPANY INC | $2K | — | $2K | 0.11% |
| FLORIDA BLUE Filed as: GREG FERGUSON FLORIDA BLUE | 4800 DEERWOOD CAMPUS PARKWAY #DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $1K | — | $1K | 0.20% |
| FLORIDA BLUE3 Filed as: GREG FERGUSON FLORIDA BLUE | 4800 DEERWOOD CAMPUS PARKWAY #DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $1K | — | $1K | 0.43% |
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 | 2,399 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,408 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | FLORIDA COMBINES LIFE INSURANCE COMPANY INC | 2,409 | $1.5M |
| Vision | BLUE CROSS AND BLUE SHILED OF FLORIDA - FIRST COAST | 2,094 | $289K |
| Life insurance(2 contracts) | USABLE LIFE | 2,554 | $852K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,240 | $512K |
| Other(3 contracts) | USABLE LIFE | 2,554 | $856K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,554 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.