| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LINCOLN BENEFITS GROUP INSURANCE3 Filed as: LINCOLN INVESTMENT PLANNING LLC | 601 OFFICE CENTER DR STE 300 FORT WASHINGTON, PA 19034 | STANDARD INSURANCE COMPANY | $65K | — | $65K | 10.79% |
| GABOR AGENCY INC.3 | 1410 PIEDMONT DRIVE E TALLAHASSEE, FL 32308 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 1.21% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PARKWAY #DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $3K | — | $3K | 0.49% |
| LINCOLN BENEFITS GROUP INSURANCE3 Filed as: LINCOLN INVESTMENT PLANNING | 601 OFFICE CENTER DR STE 300 FORT WASHINGTON, PA 19034 | STANDARD INSURANCE COMPANY | $50K | — | $50K | 10.88% |
| GABOR AGENCY INC.3 | 1410 PIEDMONT DRIVE E TALLAHASSEE, FL 32308 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 1.31% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $2K | — | $2K | 0.49% |
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 | 2,353 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,367 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | FLORIDA COMBINED LIFE | 2,056 | $1.3M |
| Vision | BLUE CROSS AND BLUE SHIELD OF FLORIDA, INC. | 1,866 | $269K |
| Life insurance(2 contracts) | USABLE LIFE | 2,338 | $910K |
| Short-term disability | STANDARD INSURANCE COMPANY | 2,077 | $602K |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,855 | $464K |
| Other(2 contracts) | USABLE LIFE | 2,338 | $434K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,338 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.