| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM L KIMBER3 Filed as: WILLIAM KIMBER | 7801 POINT MEADOWS DR UNIT 3102 JACKSONVILLE, FL 322569145 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $68K | $73K | 5.26% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 732150360 | AMERICAN FIDELITY ASSURANCE COMPANY | $16K | — | $16K | 7.32% |
| FLORIDA BLUE3 Filed as: FLORIDA AUTOMOBILE DEALERS ASSOCI | — | AMERICAN FIDELITY ASSURANCE COMPANY | — | $5K | $5K | 2.30% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHAOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $3K | — | $3K | 5.19% |
| FLORIDA BLUE3 Filed as: FLORIDA AUTOMOBILE DEALERS ASSOCIAT | — | AMERICAN FIDELITY ASSURANCE COMPANY | — | $1K | $1K | 2.32% |
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 | 142 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 324 | $1.4M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 424 | $72K |
| Short-term disability(2 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 142 | $266K |
| Long-term disability(2 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 142 | $266K |
| Other(3 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 424 | $338K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 424 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.