| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PLAN ANALYSTS INC3 Filed as: PLAN ANALYSTS INC. | 1 INDEPENDENT DRIVE SUITE 3125 JACKSONVILLE, FL 32202 | BLUE CROSS BLUE SHIELD OF FLORIDA | $106K | — | $106K | 5.00% |
| LAURENCE F LEE3 | 4811 BEACH BOULEVARD SUITE 433 JACKSON, FL 32207 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $51K | — | $51K | 6.06% |
| SAMANTHA DAVIDSON3 | 1120 SANCTUARY PARKWAY SUITE 375 ALPHARETTA, GA 30009 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $241 | — | $241 | 0.03% |
| MARTIN JOHNSON3 | 1120 SANCTUARY PARKWAY SUITE 375 ALPHARETTA, GA 30009 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $219 | — | $219 | 0.03% |
| PLAN ANALYSTS INC3 | 4811 BEACH BOULEVARD SUITE 433 JACKSONVILLE, FL 32207 | AETNA LIFE INSURANCE CO. | $29K | — | $29K | 9.74% |
| PLAN ANALYSTS INC3 | 4811 BEACH BOULEVARD SUITE 433 JACKSONVILLE, FL 32207 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 3.47% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FIN SERVICE | 6750 NORTH ANDREWS AVENUE #125 FT LAUDERDALE, FL 33309 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $316 | $316 | 0.44% |
| PLAN ANALYSTS INC3 | 4811 BEACH BOULEVARD SUITE 433 JACKSONVILLE, FL 32207 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 9.90% |
| PLAN ANALYSTS INC3 | 4811 BEACH BOULEVARD SUITE 433 JACKSONVILLE, FL 32207 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 10.05% |
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 | 318 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 333 | 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 | 203 | $3.0M |
| Dental(3 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 308 | $943K |
| Vision(3 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 244 | $927K |
| Life insurance | AETNA LIFE INSURANCE CO. | 309 | $297K |
| Short-term disability | AETNA LIFE INSURANCE CO. | 309 | $297K |
| Long-term disability | AETNA LIFE INSURANCE CO. | 309 | $297K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 166 | $2.1M |
| Other | AETNA LIFE INSURANCE CO. | 309 | $297K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 309 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.