| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMBINED INSURANCE SVCS OF N FL INC3 Filed as: COMBINED INSURANCE SVCS OF NORTH FL | 1403 E BELMONT ST PENSACOLA, FL 32501 | UNITED HEALTHCARE INSURANCE COMPANY | — | $34K | $34K | 3.50% |
| TORGERSEN CAUSEY3 | 1403 EAST BELMONT STREET PENSACOLA, FL 32501 | UNITED CONCORDIA INSURANCE COMPANY | $10K | — | $10K | 10.00% |
| COMBINED INSURANCE SVCS OF N FL INC3 Filed as: COMBINED INSURANCE SERVICES OF | NORTH FLORIDA, INC 1403 E BELMONT ST PENSACOLA, FL 32501 | UNITED HEALTH CARE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| COMBINED INSURANCE SERVICES5 Filed as: COMBINED INSURANCE SERVICES, INC. | 2704 NORTH 12TH AVE. PENSACOLA, FL 32503 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
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 | 242 | 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) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 246 | $963K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 308 | $101K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 311 | $16K |
| Life insurance | UNITED HEALTH CARE INSURANCE COMPANY | 234 | $52K |
| Long-term disability | UNITED HEALTH CARE INSURANCE COMPANY | 234 | $52K |
| Other | UNITED HEALTH CARE INSURANCE COMPANY | 234 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 311 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.