| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADMINISTRATORS ADVISORY GROUP3 | PO BOX 0549 DELAND, FL 327210549 | HUMANA MEDICAL PLAN, INC. | $57K | — | $57K | 4.50% |
| ADMINISTRATORS ADVISORY GROUP3 | P O BOX 0549 DELAND, FL 327210549 | HUMANA INSURANCE COMPANY | $7K | — | $7K | 10.01% |
| ADMINISTRATORS ADVISORY GROUP3 | P O BOX 0549 DELAND, FL 327210549 | USABLE LIFE | $3K | — | $3K | 11.96% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $233 | — | $233 | 0.95% |
| ADMINISTRATORS ADVISORY GROUP3 | P O BOX 0549 DELAND, FL 327210549 | USABLE LIFE | $3K | — | $3K | 14.70% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $187 | — | $187 | 0.95% |
| ADMINISTRATORS ADVISORY GROUP3 | P O BOX 0549 DELAND, FL 327210549 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 10.01% |
| ADMINISTRATORS ADVISORY GROUP3 | PO BOX 0549 DELAND, FL 327210549 | USABLE LIFE | $547 | — | $547 | 12.10% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $43 | — | $43 | 0.95% |
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 | 163 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA MEDICAL PLAN, INC. | 126 | $1.3M |
| Dental | HUMANA INSURANCE COMPANY | 121 | $72K |
| Vision | HUMANA INSURANCE COMPANY | 103 | $13K |
| Life insurance | USABLE LIFE | 163 | $5K |
| Short-term disability | USABLE LIFE | 94 | $20K |
| Long-term disability | USABLE LIFE | 163 | $25K |
| Other | USABLE LIFE | 163 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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.
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.