| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TORGERSEN CAUSEY3 | 1403 E BELMONT ST PENSACOLA, FL 32501 | BLUE CROSS BLUE SHIELD OF FLORIDA | $29K | — | $29K | 3.50% |
| TORGERSEN CAUSEY3 | 1403 E BELMONT ST PENSACOLA, FL 32501 | HEALTH OPTIONS | $17K | — | $17K | 3.50% |
| TORGERSEN CAUSEY3 | 1403 EAST BELMONT STREET PENSACOLA, FL 32501 | UNITED CONCORDIA INSURANCE COMPANY | $11K | — | $11K | 10.84% |
| TORGERSEN CAUSEY3 | 1403 E BELMONT ST PENSACOLA, FL 325014321 | USABLE LIFE | $11K | — | $11K | 13.69% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $4K | — | $4K | 5.27% |
| COMBINED INSURANCE SERVICES5 Filed as: COMBINED INSURANCE SERVICES, INC. | 2704 NORTH 12TH AVE. PENSACOLA, FL 32503 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.01% |
| COMBINED INSURANCE SERVICES3 Filed as: COMBINED INSURANCE SERVICES INC | D/B/A TORGERSEN CAUSEY 1403 E BELMONT ST PENSACOLA, FL 325014321 | METROPOLITAN LIFE INSURANCE COMPANY | $385 | — | $385 | 15.17% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $129 | $25 | $154 | 6.07% |
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 | 218 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 103 | $1.3M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 343 | $104K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 303 | $17K |
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 208 | $84K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 103 | $1.3M |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 208 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 343 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.