| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMBINED INSURANCE SERVICES3 Filed as: COMBINED INSURANCE SERVICES INC | 1701 NE 42ND AVE 200 OCALA, FL 344708022 | BLUE CROSS BLUE SHIELD OF FLORIDA | $104K | — | $104K | 5.97% |
| FLORIDA BLUE3 | 4800 DEERWOOD CAMPUS PKWY DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $11K | — | $11K | 14.51% |
| COMBINED INSURANCE SERVICES3 Filed as: COMBINED INSURANCE SERVICES INC | 1701 NE 42ND AVENUE SUITE 200 OCALA, FL 34470 | FLORIDA COMBINED LIFE | $4K | — | $4K | 4.99% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PARKWAY DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $5K | $593 | $6K | 7.38% |
| COMBINED INSURANCE SERVICES3 Filed as: COMBINED INSURANCE SERVICES INC | 1701 NE 42ND AVENUE SUITE 200 OCALA, FL 34470 | USABLE LIFE | $3K | — | $3K | 3.96% |
| COMBINED INSURANCE SERVICES3 Filed as: COMBINED INSURANCE SERVICES INC | PO BOX 2438 OCALA, FL 34478 | STANDARD INSURANCE COMPANY | $2K | $340 | $3K | 7.98% |
| COMBINED INSURANCE SERVICES3 Filed as: COMBINED INSURANCE SERVICES INC | 1701 NE 42ND AVENUE SUITE 200 OCALA, FL 34470 | USABLE LIFE | $389 | — | $389 | 2.31% |
| COMBINED INSURANCE SERVICES3 Filed as: COMBINED INSURANCE SERVICES INC | PO BOX 2438 OCALA, FL 34478 | STANDARD INSURANCE COMPANY | $830 | — | $830 | 8.15% |
| COMBINED INSURANCE SERVICES3 Filed as: COMBINED INSURANCE SERVICES INC | 1701 NE 42ND AVENUE SUITE 200 OCALA, FL 34470 | USABLE LIFE | $143 | — | $143 | 3.80% |
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 | 301 | 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) | 301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 221 | $1.7M |
| Dental | FLORIDA COMBINED LIFE | 219 | $79K |
| Vision | STANDARD INSURANCE COMPANY | 108 | $10K |
| Life insurance(2 contracts) | USABLE LIFE | 296 | $92K |
| Short-term disability | STANDARD INSURANCE COMPANY | 128 | $35K |
| Other(3 contracts) | USABLE LIFE | 296 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.