| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TORGERSEN CAUSEY3 | 1403 E BELMONT STREET PENSACOLA, FL 32501 | BLUE CROSS BLUE SHIELD OF FLORIDA | $26K | — | $26K | 4.00% |
| TORGERSEN CAUSEY3 | 1403 E. BELMONT STREET PENSACOLA, FL 32501 | HEALTH OPTIONS | $24K | — | $24K | 4.50% |
| COMBINED INSURANCE SERVICES3 Filed as: COMBINED INS SERVICES OF N FL INC | 1403 E BELMONT ST PENSACOLA, FL 325014321 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | — | $8K | 7.85% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | PRINCIPAL LIFE INSURANCE COMPANY | -$110 | — | -$110 | -0.11% |
| DIGITAL INSURANCE LLC3 | 1818 MARKET ST PHILADELPHIA, PA 191033638 | PRINCIPAL LIFE INSURANCE COMPANY | -$175 | — | -$175 | -0.18% |
| COMBINED INSURANCE SERVICES3 Filed as: COMBINED INS SERVICES OF NORTH FL I | 1403 E BELMONT ST PENSACOLA, FL 325014321 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 11.36% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | PRINCIPAL LIFE INSURANCE COMPANY | -$565 | — | -$565 | -1.09% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL SERVICES LLC | 1818 MARKET ST PHILADELPHIA, PA 191033638 | PRINCIPAL LIFE INSURANCE COMPANY | -$1K | — | -$1K | -2.18% |
| COMBINED INSURANCE SERVICES3 Filed as: COMBINED INS SERVICES OF NORTH FL | 1403 E BELMONT ST PENSACOLA, FL 325014321 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 8.23% |
| CENTROBENEFITS RESEARCH LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | PRINCIPAL LIFE INSURANCE COMPANY | -$201 | — | -$201 | -1.03% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PRKWY SE STE 1950 ATLANTA, GA 303395946 | PRINCIPAL LIFE INSURANCE COMPANY | -$241 | — | -$241 | -1.24% |
| COMBINED INSURANCE SERVICES3 Filed as: COMBINED INS SERVICES OF NORTH FL I | 1403 E BELMONT ST PENSACOLA, FL 325014321 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 9.17% |
| COMBINED INSURANCE SERVICES3 Filed as: COMBINED INS SERVICES OF NORTH FL | 1403 E BELMONT ST PENSACOLA, FL 325014321 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 18.63% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | PRINCIPAL LIFE INSURANCE COMPANY | -$132 | — | -$132 | -1.21% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | PRINCIPAL LIFE INSURANCE COMPANY | -$395 | — | -$395 | -3.63% |
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 | 189 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 51 | $652K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 322 | $100K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 210 | $17K |
| Life insurance(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 322 | $152K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 61 | $19K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 25 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 322 | — |
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.