| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | $0 | $10K | 25.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 887 WEST MARIETTA STREET STUDIO N108 ATLANTA, GA 30318 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $622 | $0 | $622 | 1.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $35 | $35 | 0.09% |
| JAMIE LYNN DURRENCE3 | 7991 DAWSONS CREEK DRIVE JACKSONVILLE, FL 32222 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN AND ASSOCIATES, INC. | 501 RIVERSIDE AVENUE, SUITE 1000 JACKSONVILLE, FL 32202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVENUE, SUITE 3A BAY SAINT LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| THOMAS C SMITH3 Filed as: THOMAS C. SMITH | 2928 FOSTER CREIGHTON DRIVE NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| CHRISTINE M. MCCULLUGH3 | 14715 NE 95TH STREET, SUITE 200 REDMOND, WA 98052 | GENWORTH LIFE INSURANCE COMPANY | $3K | $0 | $3K | 13.06% |
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 | 730 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 22 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 756 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 604 | $476K |
| Vision | VISION SERVICE PLAN | 518 | $61K |
| Life insurance | FLORIDA COMBINED LIFE | 694 | $410K |
| Long-term disability | FLORIDA COMBINED LIFE | 694 | $410K |
| Other(5 contracts, 5 carriers) | FLORIDA COMBINED LIFE | 700 | $482K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 700 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.