| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLODGETT & ASSOCIATES INC.3 | 3700 AIRPORT ROAD, STE 301 BOCA RATON, FL 334316409 | BLUE CROSS BLUE SHIELD OF FLORIDA | $76K | $0 | $76K | 5.00% |
| BLODGETT & ASSOCIATES INC.3 | 3700 AIRPORT ROAD, STE 301 BOCA RATON, FL 334316409 | FLORIDA COMBINED LIFE | $4K | $0 | $4K | 3.86% |
| FLORIDA BLUE3 Filed as: KELVIN MCBRIDE, FLORIDA BLUE | 4800 DEARWOOD CAMPUS PKWY, #DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $4K | $0 | $4K | 3.18% |
| FLORIDA BLUE3 Filed as: MAGGIE LUCAS, FLORIDA BLUE | 4800 DEARWOOD CAMPUS PKWY, #DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $690 | $0 | $690 | 0.61% |
| BLODGETT & ASSOCIATES INC.3 | 3700 AIRPORT ROAD, STE 301 BOCA RATON, FL 334316409 | BLUE CROSS & BLUE SHIELD OF FLORIDA, INC. | $1K | $0 | $1K | 6.00% |
| BLODGETT & ASSOCIATES INC.3 | 3700 AIRPORT ROAD, STE 301 BOCA RATON, FL 334316409 | USABLE LIFE | $4K | $0 | $4K | 64.79% |
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 | 119 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 125 | $1.5M |
| Dental | FLORIDA COMBINED LIFE | 128 | $114K |
| Vision | BLUE CROSS & BLUE SHIELD OF FLORIDA, INC. | 127 | $18K |
| Life insurance | USABLE LIFE | 132 | $6K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 125 | $1.5M |
| Other | USABLE LIFE | 132 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.