| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 1001 BRICKELL BAY DRIVE 10TH FLOOR MIAMI, FL 33131 | BLUE CROSS BLUE SHIELD OF FLORIDA | $91K | — | $91K | 5.00% |
| AON CONSULTING INC3 | 1001 BRICKELL BAY DRIVE 10TH FLOOR MIAMI, FL 33131 | FLORIDA COMBINED LIFE INSURANCE COMPANY | $21K | — | $21K | 10.76% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $15K | — | $15K | 7.99% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC OF FLORIDA | 13901 SUTTON PARK DRIVE SOUTH JACKSONVILLE, FL 32224 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $13K | — | $13K | 7.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC OF FLORIDA | 13901 SUTTON PARK DRIVE S BUILDING C, SUITE 360 JACKSONVILLE, FL 322240229 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| JENNINGS INSURANCE SERVICES3 Filed as: JENNINGS INS SVCS INC | DBA PREPARE BENEFITS 10524 MOSS PARK RD #204-306 ORLANDO, FL 32832 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 4.45% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $657 | $657 | 1.17% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. OF FLORIDA | 13901 SUTTON PARK DRIVE S BUILDING C, SUITE 360 JACKSONVILLE, FL 322240229 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| JENNINGS INSURANCE SERVICES3 | DBA PREPARE BENEFITS 10524 MOSS PARK RD #204-306 ORLANDO, FL 32832 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $588 | $588 | 1.18% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. OF FLORIDA | 13901 SUTTON PARK DRIVE S BUILDING C, SUITE 360 JACKSONVILLE, FL 322240229 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| JENNINGS INSURANCE SERVICES3 | DBA PREPARE BENEFITS 10524 MOSS PARK RD #204-306 ORLANDO, FL 32832 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $552 | $552 | 1.18% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. OF FLORIDA | 13901 SUTTON PARK DRIVE S BUILDING C, SUITE 360 JACKSONVILLE, FL 322240229 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | — | $21K | 65.00% |
| AON CONSULTING INC3 | 29804 NETWORK PLACE CHICAGO, IL 606731298 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 4.85% |
| AON CONSULTING INC3 | 1001 BRICKELL BAY DRIVE FLOOR 10 MIAMI, FL 33131 | BLUECROSS BLUESHIELD OF FLORIDA, INC. | $3K | — | $3K | 9.24% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES OF FLORIDA | 13901 SUTTON PARK DRIVE S SUITE 360 JACKSONVILLE, FL 32224 | BLUECROSS BLUESHIELD OF FLORIDA, INC. | $2K | — | $2K | 7.64% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. OF FLORIDA | 13901 SUTTON PARK DRIVE S BUILDING C, SUITE 360 JACKSONVILLE, FL 32224 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 65.00% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $904 | $904 | 5.20% |
| JENNINGS INSURANCE SERVICES3 Filed as: JENNINGS INSURANCE SERVICES INC | DBA PREPARE BENEFITS 10524 MOSS PARK RD #204-306 ORLANDO, FL 32832 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $522 | $522 | 3.00% |
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 | 271 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 269 | $1.8M |
| Dental | FLORIDA COMBINED LIFE INSURANCE COMPANY | 249 | $198K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 269 | $1.8M |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 161 | $56K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 112 | $50K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 105 | $47K |
| Other(4 contracts, 2 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 203 | $293K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.