| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL FLORIDA | 1560 ORANGE AVE SUITE 750 WINTER PARK, FL 32789 | BLUE CROSS BLUE SHIELD OF FLORIDA | — | $194K | $194K | 1.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL FLORIDA | 1560 ORANGE AVE, SUITE 750 WINTER PARK, FL 32789 | HEALTH OPTIONS | — | $84K | $84K | 1.00% |
| TRUST MANAGEMENT GROUP5 Filed as: TRUST MANAGEMENT GROUP DBA SELECT | 1201 S ORLANDO AVENUE, SUITE 450 WINTER PARK, FL 327897109 | METROPOLITAN LIFE INSURANCE COMPANY | $190K | $64K | $254K | 19.23% |
| AMERICAN CENTRAL INSURANCE SERVICES3 Filed as: AMERICAN CENTRAL INSURANCE AGENCY | 1800 SW 1ST AVE SUITE 403 MIAMI, FL 331291180 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | — | $20K | 1.49% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | — | $17K | 1.29% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERS LL | 4211 W. BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 0.75% |
| FRINGE BENEFIT PLANS INC3 | 2211 LEE RD WINTER PARK, FL 32789 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $19 | $9K | 0.70% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INC DBA THE BAILEY | PO BOX 785700 PHILADELPHIA, PA 191785700 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 0.68% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES | PO BOX 632886 CINCINNATI, OH 452632886 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $183 | $3K | 0.20% |
| JOHN R STONER ORGANIZATION INC3 | 700 CENTRAL AVE STE 300 SAINT PETERSBURG, FL 33701 | METROPOLITAN LIFE INSURANCE COMPANY | $803 | — | $803 | 0.06% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 S CAPITAL OF TEXAS HWY, BLDG 2, SUITE 125 AUSTIN, TX 787466646 | METROPOLITAN LIFE INSURANCE COMPANY | $602 | — | $602 | 0.05% |
| WORLD INSURANCE ASSOCIATES LLC3 | PO BOX 95000 LOCKBOX 1803 PHILADELPHIA, PA 19195 | METROPOLITAN LIFE INSURANCE COMPANY | $565 | $11 | $576 | 0.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD DBA H | 12500 S CLEVELAND AVE FORT MEYERS, FL 33907 | METROPOLITAN LIFE INSURANCE COMPANY | $515 | $44 | $559 | 0.04% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVE S. FLOOR 4 ATTN JENNIFER FIORITO ISELIN, NJ 088302716 | METROPOLITAN LIFE INSURANCE COMPANY | $90 | $301 | $391 | 0.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FL BANK OFAMERICA LOC CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | — | $279 | $279 | 0.02% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 234661187 | METROPOLITAN LIFE INSURANCE COMPANY | — | $70 | $70 | 0.01% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 901 MARQUETTE AVENUE, SUITE 1800 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | — | $51 | $51 | 0.00% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA ALLTRUST INSURANCE | PO BOX 1788 GRAND RAPID, MI 495011788 | METROPOLITAN LIFE INSURANCE COMPANY | — | $51 | $51 | 0.00% |
| THE CLEMONS COMPANY3 | PO BOX 2298 PANAMA CITY, FL 324022298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $31 | $31 | 0.00% |
| CIC HOTALING INSURANCE SERVICES, LL3 Filed as: CIC HOTALING INSURANCE SERVICES LLC | 2301 NW 87TH AVE, SUITE 401 DORAL, FL 331722411 | METROPOLITAN LIFE INSURANCE COMPANY | — | $17 | $17 | 0.00% |
| BUSINESSOLVER.COM, INC.3 | 1025 ASHWORTH ROAD WEST DES MOINES, IA 50265 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $557 | $557 | 2.27% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF FLORIDA, INC. - DA | PO BOX 745961 ATLANTA, GA 30374 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $446 | $446 | 1.82% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $206 | $206 | 0.84% |
| TRUST MANAGEMENT GROUP3 Filed as: TRUST MANAGEMENT GROUP, INC. | SELECTSOURCE 300 PRIMERA BLVD, SUITE 140 LAKE MARY, FL 32746 | METROPOLITAN GENERAL INSURANCE COMPANY | $200 | — | $200 | 0.81% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN&BROWN INSURANCE SERVICES INC | 2290 LUCIEN WAY STE 400 MAITLAND, FL 32751 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $51 | $51 | 0.21% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN LONE STAR INS SER | 14285 MIDWAY RD, STE 100 ADDISON, TX 75001 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $1 | $1 | 0.00% |
| TRUST MANAGEMENT GROUP3 Filed as: TRUST MANAGEMENT GROUP D/B/A SELECT | 300 PRIMERA BLVD STE 140 LAKE MARY, FL 32746 | SAFE GUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $1K | — | $1K | 6.30% |
| AMERICAN CENTRAL INSURANCE SERVICES3 Filed as: AMERICAN CENTRAL INSURANCE AGENCY | 1800 SW 1ST AVE SUITE 403 MIAMI, FL 331291180 | SAFE GUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $1K | — | $1K | 4.61% |
| JOHN R STONER ORGANIZATION INC3 | 700 CENTRAL AVE STE 300 SAINT PETERSBURG, FL 33701 | SAFE GUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $620 | — | $620 | 2.63% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LBMC, PC EIN 62-1199757 AUDITOR | Accounting (including auditing) Service code 10 | — | $26K |
| HOLIFIELD LAW, PLLC EIN 81-0932795 LEGAL COUNSEL | Legal Service code 29 | 11907 KINGSTON PIKE SUITE 201 KNOXVILLE, TN 37934 | $6K |
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 | 3,105 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,105 | $1.3M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 3,105 | $1.3M |
| Prescription drug | HEALTH OPTIONS | 667 | $8.4M |
| Other(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 1,182 | $19.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,105 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.