| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP INSURANCE SOLUTIONS, INC.3 Filed as: GROUP INSURANCE SOLUTIONS INC | 18230 RIVER OAKS DRIVE JUPITER, FL 334583304 | HEALTH OPTIONS, INC | $69K | — | $69K | 4.00% |
| GROUP INSURANCE SOLUTIONS, INC.3 | 18230 RIVER OAKS DRIVE JUPITER, FL 334583304 | BLUE CROSS BLUE SHIELD OF FLORIDA | $61K | — | $61K | 4.00% |
| GROUP INSURANCE SOLUTIONS, INC.3 | 18230 RIVER OAKS DR. JUPITER, FL 334583304 | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | $12K | — | $12K | 8.16% |
| GROUP INSURANCE SOLUTIONS, INC.3 | 18230 RIVER OAKS DRIVE JUPITER, FL 334583304 | USABLE LIFE | $9K | — | $9K | 11.20% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $262 | — | $262 | 0.32% |
| GROUP INSURANCE SOLUTIONS, INC.3 Filed as: GROUP INSURANCE SOLUTIONS INC | 18230 RIVER OAKS DR JUPITER, FL 334583304 | USABLE LIFE | $13K | — | $13K | 16.78% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $352 | — | $352 | 0.46% |
| GROUP INSURANCE SOLUTIONS, INC.3 | 18230 RIVER OAKS DR. JUPITER, FL 334583304 | USABLE LIFE | $8K | — | $8K | 11.21% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $331 | — | $331 | 0.44% |
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 | 295 | 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) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC | 150 | $3.3M |
| Dental | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | 288 | $150K |
| Life insurance(2 contracts) | USABLE LIFE | 295 | $151K |
| Long-term disability | USABLE LIFE | 295 | $81K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC | 150 | $3.3M |
| Other(2 contracts) | USABLE LIFE | 295 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.