| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 200 SOUTH ORANGE AVENUE, SUITE 1350 ORLANDO, FL 32801 | BLUE CROSS BLUE SHIELD OF FLORIDA | $131K | $0 | $131K | 4.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 111 VETERANS BOULEVARD, SUITE 1130 METAIRIE, LA 70005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27K | $0 | $27K | 17.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INS., INC. | 248 EAST CAPITOL STREET, SUITE 1200 JACKSON, MS 39201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 3.38% |
| MARK EUGENE TOOKE3 | 306 VISTA SW FORT WALTON BEACH, FL 32548 | CONTINENTAL AMERICAN INSURANCE COMPANY | $675 | $0 | $675 | 0.43% |
| DANIEL S ADAMS3 Filed as: DANIEL S. ADAMS | 3857 SCOTT CHURCH ROAD MARIANNA, FL 32448 | CONTINENTAL AMERICAN INSURANCE COMPANY | $110 | $0 | $110 | 0.07% |
| DOMINIC ANTHONY ZANER3 | 118 SUMMERWOOD DRIVE PANAMA CITY BEACH, FL 32413 | CONTINENTAL AMERICAN INSURANCE COMPANY | $83 | $0 | $83 | 0.05% |
| HOLLY ADAMS BUTCHER3 | 1616 MOONRAKER DRIVE MILTON, FL 32583 | CONTINENTAL AMERICAN INSURANCE COMPANY | $55 | $0 | $55 | 0.04% |
| BRIAN V ANDREWS3 Filed as: BRIAN VINCENT ANDREWS | 5728 TAMARACK DRIVE PACE, FL 32571 | CONTINENTAL AMERICAN INSURANCE COMPANY | $32 | $0 | $32 | 0.02% |
| MJ INSURANCE3 Filed as: MJ INSURANCE, INC. | PO BOX 3430 CARMEL, IN 46082 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $1K | $15K | 10.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 14.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $826 | $826 | 1.19% |
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 | 596 | 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) | 596 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 275 | $3.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 596 | $137K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 596 | $137K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 596 | $137K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 417 | $157K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 168 | $70K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 275 | $3.3M |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 596 | $294K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 596 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.