| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 4350 WEST CYPRESS STREET TAMPA, FL 33607 | AETNA LIFE INSURANCE COMPANY | — | $29K | $29K | 4.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11K | $754 | $12K | 16.48% |
| HELEN DIZ-HATTON3 | 8251 GREENSBORO DRIVE MCLAINE, VA 22012 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $2K | $8K | 11.43% |
| MJ INSURANCE3 Filed as: SUFINANZA INS. AND VARIOUS AGENTS | 3351 NW 85TH AVENUE CORAL SPRINGS, FL 33065 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $818 | $5K | 6.37% |
| JACK ALLEN NORRIS3 | 2439 DUTCH BRANCH ROAD COLUMBIA, SC 29210 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $88 | $1K | 1.61% |
| MAGDA ISABEL WISDOM3 | 2453 WILLOW PARK ROAD BETHLEHEM, PA 18020 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $37 | $1K | 1.48% |
| JERRY LYNN MCMILLIAN SR3 Filed as: JERRY LYNN MCMILLIAN SR. | 5514 BARRINGTON COURT JACKSONVILLE, FL 32244 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $960 | $43 | $1K | 1.35% |
| THE GRANT AGENCY INC3 Filed as: THE GRANT AGENCY INC. | PO BOX 41544 JACKSONVILLE, FL 32203 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $960 | $2 | $962 | 1.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 200 SOUTH ORANGE AVENUE, SUITE 1350 ORLANDO, FL 32801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 6.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 200 SOUTH ORANGE AVENUE, SUITE 1350 ORLANDO, FL 32801 | FLORIDA COMBINED LIFE | $3K | $0 | $3K | 8.40% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | FLORIDA COMBINED LIFE | $699 | $0 | $699 | 1.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| ACRISURE LLC3 | 100 OTTAWA AVENUE SW GRAND RAPIDS, MI 49503 | USABLE LIFE | $448 | $0 | $448 | 6.91% |
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 | 201 | 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) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 108 | $590K |
| Dental | FLORIDA COMBINED LIFE | 114 | $39K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 98 | $12K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 93 | $73K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 93 | $73K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 93 | $73K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 108 | $590K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 118 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.