| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST FLORIDA INSURANCE BROKERS3 Filed as: FIRST FLORIDA INSURANCE BROKERS,LLC | 100 SOUTH ASHLEY DRIVE SUITE 250 TAMPA, FL 336025348 | BLUE CROSS AND BLUE SHIELD OF FLORIDA | $125K | — | $125K | 1.48% |
| DESSO FORMAN3 Filed as: DESSO HUEN FORMAN | 28059 US HIGHWAY 19 CLEARWATER, FL 33761 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $42K | — | $42K | 14.00% |
| FIRST FLORIDA INSURANCE BROKERS3 Filed as: FIRST FLORIDA INSURANCE BROKERS,LLC | 20 NORTH ORANGE AVENUE STE 500 ORLANDO, FL 32801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | — | $18K | 6.00% |
| FIRST FLORIDA INSURANCE BROKERS3 Filed as: FIRST FLORIDA INSURANCE BROKERS,LLC | 100 SOUTH ASHLEY DRIVE SUITE 250 TAMPA, FL 336025348 | METROPOLITAN LIFE INSURANCE COMPANY | $32K | — | $32K | 10.61% |
| FIRST FLORIDA INSURANCE BROKERS3 Filed as: FIRST FLORIDA INSURANCE BROKERS,LLC | 20 NORTH ORANGE AVENUE STE 500 ORLANDO, FL 32801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 5.00% |
| FIRST FLORIDA INSURANCE BROKERS3 Filed as: FIRST FLORIDA INSURANCE BROKERS,LLC | 20 NORTH ORANGE AVENUE STE 500 ORLANDO, FL 32801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | — | $19K | 20.00% |
| FIRST FLORIDA INSURANCE BROKERS3 Filed as: FIRST FLORIDA INSURANCE BROKERS,LLC | 20 NORTH ORANGE AVENUE STE 500 ORLANDO, FL 32801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | — | $16K | 20.00% |
| FIRST FLORIDA INSURANCE BROKERS3 Filed as: FIRST FLORIDA INSURANCE BROKERS,LLC | 20 NORTH ORANGE AVENUE STE 500 ORLANDO, FL 32801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| FIRST FLORIDA INSURANCE BROKERS3 Filed as: FIRST FLORIDA INSURANCE BROKERS,LLC | 20 NORTH ORANGE AVENUE STE 500 ORLANDO, FL 32801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 20.00% |
| FIRST FLORIDA INSURANCE BROKERS3 Filed as: FIRST FLORIDA INSURANCE BROKERS,LLC | 100 SOUTH ASHLEY DRIVE SUITE 250 TAMPA, FL 336025348 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $2K | — | $2K | 10.35% |
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 | 2,246 | 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) | 2,246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF FLORIDA | 679 | $8.4M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,078 | $320K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,078 | $298K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,284 | $172K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 374 | $302K |
| Other(4 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,284 | $285K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,284 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.