| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 501 RIVERSIDE AVENUE SUITE 1000 JACKSONVILLE, FL 32202 | BLUE CROSS BLUE SHIELD OF FLORIDA | $59K | — | $59K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 W. GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $12K | $3K | $15K | 14.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 9.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF RD. FL 11 ROLLING MEADOWS, IL 60008 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 2.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1395 PANTHER LN STE 100 NAPLES, FL 34109 | PRINCIPAL LIFE INSURANCE COMPANY | — | $543 | $543 | 0.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 501 RIVERSIDE AVE JACKSONVILLE, FL 32202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $7 | $3K | 12.88% |
| MACDOUGALL BENEFITS LLC3 | 1794 ARBOR DR. FERNADINA BEACH, FL 32034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $448 | $2K | 8.89% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 32202 | U.S. LEGAL SERVICES, INC. | $1K | — | $1K | 22.03% |
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 | 119 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 99 | $1.2M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 192 | $60K |
| Vision | STANDARD INSURANCE COMPANY | 115 | $104K |
| Life insurance | STANDARD INSURANCE COMPANY | 115 | $104K |
| Short-term disability | STANDARD INSURANCE COMPANY | 115 | $104K |
| Long-term disability | STANDARD INSURANCE COMPANY | 115 | $104K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 99 | $1.2M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 42 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.