| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 327162207 | BLUE CROSS BLUE SHIELD OF FLORIDA | $56K | — | $56K | 5.00% |
| INSURANCE OFFICE OF AMERICA3 | 1 SLEIMAN PARKWAY SUITE 130 JACKSONVILLE, FL 32216 | FOUNTAIN HEALTH REINSURANCE CO. | $54K | — | $54K | 5.22% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 327162207 | USABLE LIFE | $38K | — | $38K | 12.75% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PARKWAY #DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $12K | $2K | $14K | 4.63% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W. SR 434 LONGWOOD, FL 32750 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $28K | $6K | $34K | 13.43% |
| ANDREW H JENNINGS3 | 1476 PINE MARSH LOOP ST ST. CLOUD, FL 34771 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 7.54% |
| MONICA L HAYES3 Filed as: MONICA L. HAYES | 115 TEAKWOOD DRIVE HUNTSVILLE, AL 35801 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 45.00% |
| INSURANCE OFFICE OF AMERICA3 | 1855 WEST STATE RD. 434 LONGWOOD, FL 32750 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 31.99% |
| VBW INSURANCE SERVICES, INC3 Filed as: VBW INSURANCE SERVICES, INC. | 2121 NEWMARKET PARKWAY SUITE 100 MARIETTA, GA 30067 | TRANSAMERICA LIFE INSURANCE COMPANY | $702 | — | $702 | 12.00% |
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 | 413 | 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) | 413 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 309 | $2.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 413 | $251K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 413 | $251K |
| Life insurance(3 contracts, 3 carriers) | USABLE LIFE | 562 | $557K |
| Short-term disability(2 contracts, 2 carriers) | USABLE LIFE | 562 | $551K |
| Long-term disability(2 contracts, 2 carriers) | USABLE LIFE | 562 | $551K |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 562 | $551K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 562 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.