| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMBINED INS SERVICES INC3 Filed as: COMBINED INSURANCE SVCS INC | 814 E SILVER SPRINGS BOULEVARD SUITE H OCALA, FL 34470 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $77K | $77K | 4.51% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC - NORTH FL | 5110 N 40TH STREET SUITE 234 PHOENIX, AZ 85018 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $9K | $9K | 0.53% |
| COMBINED INSURANCE SERVICES3 Filed as: COMBINED INSURANCE SERVICES INC | 1701 NE 42ND AVENUE SUITE 200 OCALA, FL 34470 | FLORIDA COMBINED LIFE | $4K | — | $4K | 4.98% |
| FLORIDA BLUE3 | 4800 DEERWOOD CAMPUS PKWY SUITE DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $1K | — | $1K | 1.34% |
| COMBINED INSURANCE SERVICES3 Filed as: COMBINED INSURANCE SERVICES INC | 1701 NE 42ND AVENUE SUITE 200 OCALA, FL 34470 | USABLE LIFE | $11K | — | $11K | 14.85% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PARKWAY DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $759 | — | $759 | 1.01% |
| COMBINED INS SERVICES INC3 | PO BOX 2438 OCALA, FL 34478 | STANDARD INSURANCE COMPANY | $3K | $469 | $3K | 6.86% |
| COMBINED INSURANCE SERVICES3 Filed as: COMBINED INSURANCE SERVICES INC | 1701 NE 42ND AVENUE SUITE 200 OCALA, FL 34470 | USABLE LIFE | $2K | — | $2K | 8.97% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PARKWAY DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $171 | — | $171 | 1.02% |
| COMBINED INS SERVICES INC3 | PO BOX 2438 OCALA, FL 34478 | STANDARD INSURANCE COMPANY | $914 | $136 | $1K | 7.84% |
| COMBINED INSURANCE SERVICES3 Filed as: COMBINED INSURANCE SERVICES INC | 1701 NE 42ND AVENUE SUITE 200 OCALA, FL 34470 | USABLE LIFE | $531 | — | $531 | 14.49% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PARKWAY DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $37 | — | $37 | 1.01% |
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 | 321 | 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) | 321 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 333 | $1.7M |
| Dental | FLORIDA COMBINED LIFE | 229 | $83K |
| Vision | STANDARD INSURANCE COMPANY | 134 | $13K |
| Life insurance(2 contracts) | USABLE LIFE | 321 | $92K |
| Short-term disability | STANDARD INSURANCE COMPANY | 157 | $49K |
| Other(3 contracts) | USABLE LIFE | 321 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 333 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.