| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 1 JERICHO PLZ SUITE 200 JERICHO, NY 11753 | BLUE CROSS BLUE SHIELD OF FLORIDA | $241K | $0 | $241K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1 JERICHO PLZ SUITE 200 JERICHO, NY 11753 | FLORIDA COMBINED LIFE | $7K | $0 | $7K | 3.31% |
| FRAN RIZZI3 | 4800 DEERWOOD CAMPUS PKWY DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $2K | $0 | $2K | 1.12% |
| SOLANGE CAMPUZANO3 | 4800 DEERWOOD CAMPUS PKWY DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $150 | $0 | $150 | 0.07% |
| MAGGIE LUCAS3 | 4800 DEERWOOD CAMPUS PKWY DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $150 | $0 | $150 | 0.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1 JERICHO PLZ SUITE 200 JERICHO, NY 11753 | BLUE CROSS & BLUE SHIELD OF FLORIDA INC | $5K | $0 | $5K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1 JERICHO PLZ SUITE 200 JERICHO, NY 11753 | FLORIDA COMBINED LIFE | $5K | $0 | $5K | 15.44% |
| NAKINA GRAVIER3 | 4800 DEERWOOD CAMPUS PKWY DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $112 | $0 | $112 | 0.35% |
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 | 491 | 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) | 491 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 400 | $4.8M |
| Dental | FLORIDA COMBINED LIFE | 391 | $221K |
| Vision | BLUE CROSS & BLUE SHIELD OF FLORIDA INC | 326 | $54K |
| Life insurance | FLORIDA COMBINED LIFE | 491 | $32K |
| Other | FLORIDA COMBINED LIFE | 491 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 491 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.