| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | FLORIDA COMBINED LIFE | $53K | $0 | $53K | 15.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 887 WEST MARIETTA STREET STUDIO N108 ATLANTA, GA 30318 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.92% |
| JAMIE LYNN DURRENCE3 | 7991 DAWSONS CREEK DRIVE JACKSONVILLE, FL 32222 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $380 | $0 | $380 | 1.84% |
| THOMAS C SMITH3 Filed as: THOMAS C. SMITH | 2928 FOSTER CREIGHTON DRIVE NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $210 | $0 | $210 | 1.02% |
| RYAN C. DURRENCE3 | 1550 CHELSEA PLACE ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $167 | $0 | $167 | 0.81% |
| JAMES J. NEWETT3 | 6933 FLICK DRIVE INDIANAPOLIS, IN 46237 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $145 | $0 | $145 | 0.70% |
| FRANK P. DOUGHERTY3 Filed as: FRANK. P. DOHERTY AND OTHER AGENTS | PO BOX 916 DEVON, PA 19333 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $81 | $0 | $81 | 0.39% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN AND ASSOCIATES, INC. | 501 RIVERSIDE AVENUE SUITE 1000 JACKSONVILLE, FL 32202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $79 | $0 | $79 | 0.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 887 WEST MARIETTA STREET NW SUITE N108 ATLANTA, GA 30318 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $409 | $0 | $409 | 15.01% |
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 | 732 | 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) | 741 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 640 | $509K |
| Vision | EYEMED VISION CARE | 1,267 | $61K |
| Life insurance | FLORIDA COMBINED LIFE | 732 | $350K |
| Long-term disability | FLORIDA COMBINED LIFE | 732 | $350K |
| Other(4 contracts, 4 carriers) | FLORIDA COMBINED LIFE | 732 | $385K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,267 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.