| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST FLORIDA INSURANCE BROKERS3 | 100 S ASHLEY DR STE 250 TAMP, FL 33602 | HUMANA MEDICAL PLAN, INC. | $26K | — | $26K | 3.99% |
| FIRST FLORIDA INSURANCE BROKERS3 | 100 S ASHLEY DR STE 250 TAMP, FL 33602 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | — | $11K | 3.80% |
| FIRST FLORIDA INSURANCE BROKERS3 | 100 S ASHLEY DR STE 250 TAMPA, FL 33602 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | — | $24K | 10.73% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE STE 203 ORLANDO, FL 328013277 | METROPOLITAN LIFE INSURANCE COMPANY | — | $959 | $959 | 0.43% |
| DIANA LEWIS3 Filed as: DIANA N LEWIS | 28059 US HWY 19 #201 CLEARWATER, FL 33761 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27K | — | $27K | 14.00% |
| FIRST FLORIDA INSURANCE BROKERS3 | 100 S ASHLEY DR STE 250 TAMPA, FL 33602 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 5.97% |
| FIRST FLORIDA INSURANCE BROKERS3 | 100 S ASHLEY DR STE 250 TAMPA, FL 33602 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| FIRST FLORIDA INSURANCE BROKERS3 | 100 S ASHLEY DR STE 250 TAMPA, FL 33602 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 19.44% |
| DIANA LEWIS3 | 28059 US HWY 19 #201 CLEARWATER, FL 33761 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 13.60% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| FIRST FLORIDA INSURANCE BROKERS3 | 100 S ASHLEY DR STE 250 TAMPA, FL 33602 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 17.56% |
| DIANA LEWIS3 | 28059 US HWY 19 #201 CLEARWATER, FL 33761 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 19.34% |
| FIRST FLORIDA INS BROKERS LLC3 Filed as: FIRST FLORIDA INS BROKERS | 100 S ASHLEY DR STE #250 TAMPA, FL 33602 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 8.29% |
| FIRST FLORIDA INSURANCE BROKERS3 | 20 N ORANGE AVE STE 500 TAMPA, FL 32801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| 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 | $976 | — | $976 | 4.95% |
| FIRST FLORIDA INSURANCE BROKERS3 Filed as: FIRST FLORIDA INSURANCE BROKERS LLC | 100 S ASHLEY DR STE 250 TAMPA, FL 33602 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $281 | — | $281 | 5.00% |
| FIRST FLORIDA INS BROKERS LLC3 | 100 S ASHLEY DR STE 250 TAMPA, FL 336025348 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $389 | — | $389 | 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 | 2,249 | 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) | 2,249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HUMANA MEDICAL PLAN, INC. | 105 | $1.1M |
| Dental(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 917 | $250K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 917 | $221K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,249 | $117K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 385 | $193K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 32 | $190K |
| Other(5 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 2,249 | $411K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,249 | — |
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."
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.