| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADMINISTRATORS ADVISORY GROUP3 | PO BOX 0549 DELAND, FL 327210549 | BLUE CROSS BLUE SHIELD OF FLORIDA | $42K | — | $42K | 3.50% |
| ADMINISTRATORS ADVISORY GROUP3 | PO BOX 0549 DELAND, FL 32721 | FLORIDA COMBINED LIFE | $3K | — | $3K | 3.35% |
| ADMINISTRATORS ADVISORY GROUP3 | PO BOX 0549 DADELAND, FL 327210549 | USABLE LIFE | $6K | — | $6K | 13.02% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $445 | — | $445 | 1.04% |
| ADMINISTRATORS ADVISORY GROUP3 | PO BOX 0549 DELAND, FL 327210549 | USABLE LIFE | $3K | — | $3K | 16.25% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $216 | — | $216 | 1.04% |
| ADMINISTRATORS ADVISORY GROUP3 | 105 S DEXTER AVENUE DELAND, FL 32721 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 14.77% |
| ADMINISTRATORS ADVISORY GROUP3 | PO BOX 549 DELAND, FL 32721 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| ADMINISTRATORS ADVISORY GROUP3 | PO BOX 0549 DELAND, FL 327210549 | USABLE LIFE | $1K | — | $1K | 13.01% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $91 | — | $91 | 1.04% |
| ADMINISTRATORS ADVISORY GROUP3 | 105 S DEXTER AVE DELAND, FL 32721 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 15.00% |
| ADMINISTRATORS ADVISORY GROUP3 | PO BOX 0549 DELAND, FL 327210549 | USABLE LIFE | $188 | — | $188 | 16.48% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $12 | — | $12 | 1.05% |
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 | 179 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 150 | $1.2M |
| Dental | FLORIDA COMBINED LIFE | 141 | $97K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 125 | $12K |
| Life insurance(2 contracts) | USABLE LIFE | 179 | $29K |
| Short-term disability | USABLE LIFE | 179 | $43K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 35 | $23K |
| Other(2 contracts) | USABLE LIFE | 179 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.