| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADMINISTRATORS ADVISORY GROUP3 | PO BOX 0549 DELAND, FL 327210549 | BLUE CROSS BLUE SHIELD OF FLORIDA | $53K | — | $53K | 3.00% |
| ADMINISTRATORS ADVISORY GROUP3 | PO BOX 549 DELAND, FL 32721 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 3.70% |
| ADMINISTRATORS ADVISORY GROUP3 | PO BOX 0549 DADELAND, FL 327210549 | USABLE LIFE | $2K | — | $2K | 3.67% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $396 | — | $396 | 0.80% |
| ADMINISTRATORS ADVISORY GROUP3 | PO BOX 0549 DELAND, FL 327210549 | USABLE LIFE | $4K | — | $4K | 14.93% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $207 | — | $207 | 0.80% |
| ADMINISTRATORS ADVISORY GROUP3 | 105 S DEXTER AVE DELAND, FL 32721 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $394 | — | $394 | 3.00% |
| ADMINISTRATORS ADVISORY GROUP3 | 105 S DEXTER AVENUE DELAND, FL 32721 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $454 | — | $454 | 3.85% |
| ADMINISTRATORS ADVISORY GROUP3 | PO BOX 0549 DELAND, FL 327210549 | USABLE LIFE | $363 | — | $363 | 3.68% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $79 | — | $79 | 0.80% |
| ADMINISTRATORS ADVISORY GROUP3 | PO BOX 0549 DELAND, FL 327210549 | USABLE LIFE | $207 | — | $207 | 14.98% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $11 | — | $11 | 0.80% |
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 | 201 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 19 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 163 | $1.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 393 | $102K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 393 | $102K |
| Life insurance(2 contracts) | USABLE LIFE | 201 | $36K |
| Short-term disability | USABLE LIFE | 201 | $49K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 50 | $25K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 163 | $1.8M |
| Other(2 contracts) | USABLE LIFE | 201 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 393 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.