| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES OF FLORIDA | 701 BRICKELL AVENUE MIAMI, FL 33131 | BLUE CROSS BLUE SHIELD OF FLORIDA | $76K | — | $76K | 2.94% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43604 | BLUE CROSS BLUE SHIELD OF FLORIDA | $14K | $0 | $14K | 0.56% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES, INC. OF FLORIDA | 701 BRICKELL AVENUE, SUITE 3200 MIAMI, FL 33131 | FLORIDA COMBINED LIFE | $21K | $0 | $21K | 11.07% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES, INC. OF FLORIDA | PO BOX 955909 ST. LOUIS, MO 63195 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 10.00% |
| PREPARE BENEFITS, LLC3 Filed as: PREPARE BENEFITS | 7157 NARCOOSSEE ROAD, SUITE 1579 ORLANDO, FL 32822 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $961 | $4K | $5K | 4.75% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.31% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES, INC. OF FLORIDA | PO BOX 955909 ST. LOUIS, MO 63195 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | $2K | $23K | 29.50% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $867 | $0 | $867 | 1.10% |
| PREPARE BENEFITS, LLC3 | 7157 NARCOOSSEE ROAD, SUITE 1579 ORLANDO, FL 32822 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $814 | $814 | 1.03% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 250 INTERNATIONAL PARKWAY SUITE 330 LAKE MARY, FL 32746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $60 | $0 | $60 | 0.08% |
| NATIONAL AGENCY SOLUTIONS LLC3 Filed as: NATIONAL AGENCY SOLUTIONS, LLC | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $5K | — | $5K | 7.99% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES, INC. OF FLORIDA | PO BOX 955816 ST. LOUIS, MO 63195 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.95% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43604 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $684 | $0 | $684 | 1.05% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES OF FLORIDA | 701 BRICKELL AVENUE, SUITE 3200 MIAMI, FL 33131 | BLUECROSS BLUESHIELD OF FLORIDA, INC. | $2K | — | $2K | 6.53% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43604 | BLUECROSS BLUESHIELD OF FLORIDA, INC. | $462 | — | $462 | 1.49% |
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 | 699 | 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) | 699 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 241 | $2.6M |
| Dental | FLORIDA COMBINED LIFE | 241 | $192K |
| Vision | BLUECROSS BLUESHIELD OF FLORIDA, INC. | 222 | $31K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 185 | $104K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 185 | $104K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 185 | $104K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 241 | $2.6M |
| Other(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 241 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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.