| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | $0 | $10K | 12.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | TRUSTMARK | $17K | $0 | $17K | 41.45% |
| GALLAGHER BENEFIT SERVICES, INC.4 | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $2K | $0 | $2K | 9.99% |
| BARRY OLFERN AND ASSOC. INC4 Filed as: BARRY OLFERN AND ASSOCIATES, INC. | 954 TYLER STREET HOLLYWOOD, FL 33019 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $780 | $0 | $780 | 3.50% |
| DARRELL ORCUTT4 | 1180 AVALON PLACE MATTHEWS, SC 28104 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $780 | $0 | $780 | 3.50% |
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 | 954 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 958 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,123 | $6.4M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 954 | $0 |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 954 | $0 |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 833 | $535K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 833 | $495K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 833 | $495K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 1,123 | $6.4M |
| Other(7 contracts, 5 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 954 | $596K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,123 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.