| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN D OREBAUGH3 | 100 S ASHLEY DR STE 250 TAMPA, FL 33602 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $76K | — | $76K | 5.24% |
| FIRST FLORIDA INSURANCE BROKERS3 | 100 S ASHLEY DR STE 250 TAMPA, FL 336025348 | AMERITAS LIFE INSURANCE CORPORATION | $37K | — | $37K | 10.00% |
| DIANA LEWIS3 Filed as: DIANA N LEWIS | 28059 US HWY 19 #201 CLEARWATER, FL 33761 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $29K | — | $29K | 14.00% |
| FIRST FLORIDA INSURANCE BROKERS3 | 100 S ASHLEY DR STE 250 TAMP, FL 33602 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 6.00% |
| DIANA LEWIS3 | 28049 US HWY 19 #201 CLEARWATER, FL 33761 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 9.38% |
| FIRST FLORIDA INSURANCE BROKERS3 | 100 S ASHLEY DR STE 250 TAMP, FL 33602 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 4.03% |
| DIANA LEWIS3 | 28059 US HWY 19 #201 CLEARWATER, FL 33761 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | — | $17K | 15.71% |
| FIRST FLORIDA INSURANCE BROKERS3 | 100 S ASHLEY DR STE 250 TAMP, FL 33602 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 6.74% |
| FIRST FLORIDA INSURANCE BROKERS3 | 100 S ASHLEY DR STE 250 TAMPA, FL 33602 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 9.57% |
| FIRST FLORIDA INSURANCE BROKERS3 | 100 S ASHLEY DR STE 250 TAMP, FL 33602 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| FIRST FLORIDA INSURANCE BROKERS3 Filed as: FIRST FLORIDA INSURANCE BROKERS LLC | 100 S ASHLEY DR STE 250 TAMPA, FL 33602 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $2K | — | $2K | 4.95% |
| FIRST FLORIDA INSURANCE BROKERS3 Filed as: FIRST FLORIDA INSURANCE BROKERS LLC | 100 S ASHLEY DR STE 200 TAMPA, FL 33602 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $511 | — | $511 | 4.84% |
| FIRST FLORIDA INSURANCE BROKERS3 Filed as: FIRST FLORIDA INSURANCE BROKERS LLC | 100 S. ASHLEY DR., STE 250 TAMPA, FL 33602 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $2 | — | $2 | 6.06% |
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 | 2,496 | 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) | 2,497 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 103 | $1.8M |
| Dental(4 contracts, 4 carriers) | AMERITAS LIFE INSURANCE CORPORATION | 1,804 | $414K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 1,804 | $366K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,496 | $133K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 352 | $207K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 50 | $377K |
| Other(4 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 2,496 | $681K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,496 | — |
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.