| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 100 NE 3RD. AVENUE SUITE 1050 FLOOR 10 FT. LAUDERDALE, FL 333011778 | BLUE CROSS BLUE SHIELD OF FLORIDA | $70K | — | $70K | 5.00% |
| USI INSURANCE SERVICES LLC3 Filed as: WELLS FARGO DBA USI INSURANCE | SERVICES NATIONAL INC. PO BOX 203383 DALLAS, TX 753203334 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $57 | $11K | 6.80% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 1018 W. 9TH AVE. KING OF PRUSSIA, PA 194061225 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.46% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC OF FLORIDA | 13901 SUTTON PARK DR. S SUITE 360 JACKSONVILLE, FL 322240229 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $79 | $2K | 1.25% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | PO BOX 203383 DALLAS, TX 753203334 | SAFEGUARD HEALTH PLANS, INC. A FLORIDA CORPORATION | $272 | — | $272 | 7.22% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. OF FLORIDA | 13901 SUTTON PARK DRIVE S SUITE 360 JACKSONVILLE, PA 194061225 | SAFEGUARD HEALTH PLANS, INC. A FLORIDA CORPORATION | $68 | — | $68 | 1.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC | 1018 W. 9TH AVE. KING OF PRUSSIA, PA 194061225 | SAFEGUARD HEALTH PLANS, INC. A FLORIDA CORPORATION | — | $54 | $54 | 1.43% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | PO BOX 203383 DALLAS, TX 753203334 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $155 | — | $155 | 7.39% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. OF FLORIDA | 13901 SUTTON PARK DRIVE S SUITE 360 JACKSONVILLE, PA 194061225 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $37 | — | $37 | 1.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC | 1018 W. 9TH AVE. KING OF PRUSSIA, FL 322240229 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | — | $31 | $31 | 1.48% |
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 | 146 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 146 | $1.4M |
| Dental(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 405 | $162K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 405 | $156K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 405 | $156K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 405 | $156K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 405 | $156K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 146 | $1.4M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 405 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 405 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.