| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN D OREBAUGH3 | 100 S ASHLEY DR STE 250 TAMPA, FL 33602 | BLUE CROSS BLUE SHIELD OF TENNESSEE INC | $42K | — | $42K | 3.62% |
| ROBERT A HEALY3 Filed as: ROBERT MORING | 12000 DELMAHOY DR CHARLOTTE, NC 28277 | BLUE CROSS BLUE SHIELD OF TENNESSEE INC | $18K | — | $18K | 1.55% |
| FIRST FLORIDA INSURANCE BROKERS3 | 100 S ASHLEY DR STE 250 TAMPA, FL 336025348 | AMERITAS LIFE INSURANCE CORPORATION | $38K | — | $38K | 10.00% |
| DANA N LEWIS3 | 28059 US HIGHWAY 19 #201 CLEARWATER, FL 33761 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $28K | — | $28K | 14.72% |
| FIRST FLORIDA INSURANCE BROKERS3 | 100 S ASHLEY DRIVE SUITE 250 TAMPA, FL 33602 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $10K | $22K | 11.54% |
| DANA N LEWIS3 | 28059 US HIGHWAY 19 #201 CLEARWATER, FL 33761 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | — | $26K | 14.00% |
| FIRST FLORIDA INSURANCE BROKERS3 | 100 S ASHLEY DRIVE SUITE 250 TAMPA, FL 33602 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $6K | $18K | 9.30% |
| DANA N LEWIS3 | 28059 US HIGHWAY 19 #201 CLEARWATER, FL 33761 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | — | $26K | 19.35% |
| FIRST FLORIDA INSURANCE BROKERS3 | 100 S ASHLEY DRIVE SUITE 250 TAMPA, FL 33602 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $9K | $20K | 14.45% |
| FIRST FLORIDA INS BROKERS LLC3 | 100 S ASHLEY DR STE 250 TAMPA, FL 336025348 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $2K | $5K | 8.65% |
| FIRST FLORIDA INSURANCE BROKERS3 | 100 S ASHLEY DRIVE SUITE 250 TAMPA, FL 33602 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $2K | $5K | 8.48% |
| FIRST FLORIDA INSURANCE BROKERS3 Filed as: FIRST FLORIDA INSURANCE BROKERS LLC | 100 S ASHLEY DR STE 250 TAMPA, FL 33602 | CIGNA | $2K | — | $2K | 4.97% |
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 | 2,559 | 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) | 2,560 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF TENNESSEE INC | 126 | $1.6M |
| Dental(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORPORATION | 1,936 | $416K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 1,936 | $381K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,559 | $108K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 385 | $189K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 92 | $457K |
| Other(5 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 2,559 | $892K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,559 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.