| 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, INC. | $78K | — | $78K | 6.00% |
| AON CONSULTING INC3 | 1001 BRICKELL BAY DRIVE 10TH FLOOR MIAMI, FL 33131 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | — | $11K | 10.00% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $575 | $5K | 17.08% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $468 | $4K | 17.01% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $440 | $4K | 17.08% |
| GETTYSBURG BNFTS ADMIN INC3 Filed as: GETTYSBURG BENEFIT ADMINISTRATORS | DBA BENAWARE PO BOX 1060 GETTYSBURG, PA 17325 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | — | $4K | 22.08% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET HAMMONTON, NJ 080371363 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 11.51% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | TRANSAMERICA LIFE INSURANCE COMPANY | $855 | — | $855 | 4.62% |
| SCOTT REYNOLDS3 Filed as: SCOTT W REYNOLDS | 4000 SE 52ND STREET OCALA, FL 34480 | TRANSAMERICA LIFE INSURANCE COMPANY | $488 | — | $488 | 2.64% |
| VESTAMERICA INC3 | 8629 NW 2ND LANE MIAMI, FL 33126 | TRANSAMERICA LIFE INSURANCE COMPANY | -$25 | — | -$25 | -0.14% |
| JEREMY C TUCKFELT3 | PO BOX 9277 PITTSBURGH, PA 15224 | TRANSAMERICA LIFE INSURANCE COMPANY | -$110 | — | -$110 | -0.59% |
| AON CONSULTING INC3 Filed as: AON HEWITT - MIAMI, FL | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE | $1K | — | $1K | 12.01% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $349 | $14 | $363 | 15.61% |
| AON CONSULTING INC4 | 29840 NETWORK PLACE CHICAGO, IL 60673 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $180 | — | $180 | 9.54% |
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 | 124 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF FLORIDA, INC. | 75 | $1.3M |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 198 | $108K |
| Vision | EYEMED VISION CARE | 205 | $10K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 101 | $23K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 102 | $28K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 100 | $21K |
| Prescription drug | BLUE CROSS & BLUE SHIELD OF FLORIDA, INC. | 75 | $1.3M |
| Other(4 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 101 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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.