| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 | 240 SOUTH PINEAPPLE AVENUE SARASOTA, FL 34236 | AETNA LIFE INSURANCE COMPANY | $10K | $35K | $44K | 1.56% |
| HR BENEFITS SERVICES, INC.3 Filed as: H R BENEFITS SERVICES | 10446 NW 31ST TERRACE MIAMI, FL 33172 | AETNA LIFE INSURANCE COMPANY | $6K | $22K | $28K | 0.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC AVENUE MOUNT LAUREL, NJ 08054 | AETNA LIFE INSURANCE COMPANY | $3K | $13K | $16K | 0.56% |
| NATIONAL AGENCY SOLUTIONS LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $19K | — | $19K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $6K | $0 | $6K | 2.90% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $5K | $0 | $5K | 2.68% |
| HR BENEFITS SERVICES, INC.3 Filed as: HR BENEFITS SERVICES | 10446 NW 31 TERRACE DORAL, IL 33172 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $5K | — | $5K | 2.41% |
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 | 515 | 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) | 515 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 515 | $2.8M |
| Dental | AETNA LIFE INSURANCE COMPANY | 515 | $2.8M |
| Vision | AETNA LIFE INSURANCE COMPANY | 515 | $2.8M |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 515 | $2.8M |
| Other | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 228 | $194K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 515 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.