| 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. | $131K | — | $131K | 6.00% |
| AON CONSULTING INC3 | 1001 BRICKELL BAY DRIVE 10TH FLOOR MIAMI, FL 33131 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $16K | — | $16K | 10.00% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $277 | $8K | 15.51% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $234 | $8K | 15.44% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $212 | $6K | 15.55% |
| GETTYSBURG BNFTS ADMIN INC3 Filed as: GETTYSBURG BENEFIT ADMINISTRATORS | DBA BENAWARE PO BOX 1060 GETTYSBURG, PA 17325 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.42% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | — | $4K | 12.42% |
| VESTAMERICA INC3 | 8629 NW 2ND LANE MIAMI, FL 33126 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 5.08% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET HAMMONTON, NJ 080371363 | TRANSAMERICA LIFE INSURANCE COMPANY | $577 | — | $577 | 1.98% |
| SCOTT REYNOLDS3 Filed as: SCOTT W REYNOLDS | 4000 SE 52ND STREET OCALA, FL 34480 | TRANSAMERICA LIFE INSURANCE COMPANY | $106 | — | $106 | 0.36% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC - MIAMI | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE ON BEHALF OF THE COMBINED INSURANCE COMPANY AMERICA | $605 | — | $605 | 7.57% |
| AON CONSULTING INC3 Filed as: AON HEWITT - MIAMI, FL | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE ON BEHALF OF THE COMBINED INSURANCE COMPANY AMERICA | $124 | — | $124 | 1.55% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC - MIAMI | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE | $560 | — | $560 | 7.46% |
| AON CONSULTING INC3 Filed as: AON HEWITT - MIAMI, FL | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE | $208 | — | $208 | 2.77% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $854 | $23 | $877 | 15.40% |
| AON CONSULTING INC4 | 29840 NETWORK PLACE CHICAGO, IL 60673 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $342 | — | $342 | 14.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC - MIAMI | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $171 | — | $171 | 7.54% |
| AON CONSULTING INC3 Filed as: AON HEWITT - MIAMI, FL | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $34 | — | $34 | 1.50% |
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 | 156 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF FLORIDA, INC. | 167 | $2.2M |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 393 | $162K |
| Vision(3 contracts, 3 carriers) | EYEMED VISION CARE ON BEHALF OF THE COMBINED INSURANCE COMPANY AMERICA | 169 | $18K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 84 | $53K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 66 | $54K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 92 | $39K |
| Prescription drug | BLUE CROSS & BLUE SHIELD OF FLORIDA, INC. | 167 | $2.2M |
| Other(4 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 125 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 393 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.