| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP INSURANCE SOLUTIONS, INC.3 Filed as: GROUP INSURANCE SOLUTIONS INC. | 18230 RIVER OAKS DR JUPITER, FL 33458 | BLUE CROSS BLUE SHIELD OF FLORIDA | $74K | — | $74K | 3.00% |
| GROUP INSURANCE SOLUTIONS, INC.3 Filed as: GROUP INSURANCE SOLUTIONS | 18230 RIVER OAKS DR JUPITER, FL 33458 | FLORIDA COMBINED LIFE | $8K | — | $8K | 9.30% |
| GROUP INSURANCE SOLUTIONS, INC.3 Filed as: GROUP INSURANCE SOLUTIONS INC | 18230 RIVER OAKS DR JUPITER, FL 33458 | BLUECROSS BLUESHIELD OF FLORIDA, INC. | $2K | — | $2K | 7.24% |
| GROUP INSURANCE SOLUTIONS, INC.3 Filed as: GROUP INSURANCE SOLUTIONS INC. | 18230 RIVER OAKS DR JUPITER, FL 33458 | FLORIDA COMBINED LIFE | $267 | — | $267 | 8.44% |
| INSGROUP INC3 Filed as: ACOSTA INSURANCE GROUP INC8000 | 8000 NW 7TH ST STE 202 MIAMI, FL 33126 | FLORIDA COMBINED LIFE | $25 | — | $25 | 0.79% |
| APPLE INSURANCE & FINANCIAL3 | 1324 W NEWPORT CENTER DR DEERFIELD BEACH, FL 33442 | FLORIDA COMBINED LIFE | $23 | — | $23 | 0.73% |
| FERENCE INSURANCE AGENCY, INC.3 Filed as: FERENCE INSURANCE AGENCY, INC | 2200 W COMMERCIAL BLVD FORT LAUDERDALE, FL 33309 | FLORIDA COMBINED LIFE | $8 | — | $8 | 0.25% |
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 | 126 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 126 | $2.5M |
| Dental(2 contracts) | FLORIDA COMBINED LIFE | 87 | $85K |
| Vision | BLUECROSS BLUESHIELD OF FLORIDA, INC. | 94 | $21K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 126 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.