| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRP CORP DBA ACENTRIA BRC3 | 4634 GULFSTARR DRIVE DESTIN, FL 32541 | BLUE CROSS BLUE SHIELD OF FLORIDA | $11K | — | $11K | 2.41% |
| FRP CORP DBA ACENTRIA BRC3 | 4634 GULFSTARR DRIVE DESTIN, FL 32541 | BLUE CROSS BLUE SHIELD OF FLORIDA | $7K | — | $7K | 1.44% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP | 1401 FORUM WAY STE 401 WEST PALM BEACH, FL 33401 | BLUE CROSS BLUE SHIELD OF FLORIDA | $5K | — | $5K | 0.97% |
| FRP CORP DBA ACENTRIA BRC3 | 4634 GULFSTARR DRIVE DESTIN, FL 32541 | HEALTH OPTIONS | $7K | — | $7K | 2.50% |
| FRP CORP DBA ACENTRIA BRC3 | 4634 GULFSTARR DRIVE DESTIN, FL 32541 | HEALTH OPTIONS | $4K | — | $4K | 1.59% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. | 1401 FORUM WAY STE 401 WEST PALM BEACH, FL 33401 | HEALTH OPTIONS | $2K | — | $2K | 0.91% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS CORP. | — | CALIFORNIA CHOICE | $5K | — | $5K | 3.78% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | — | CALIFORNIA CHOICE | $3K | — | $3K | 2.31% |
| ACENTRIA INSURANCE3 | — | CALIFORNIA CHOICE | $2K | — | $2K | 1.22% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS CORP. | 780 W. GRANADA BLVD. STE 300 ORMOND BEACH, FL 32174 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $5K | $12K | 16.02% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP | 780 W. GRANDA BLVD. ORMOND BEACH, FL 32174 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 17.35% |
| COLLEEN B. SHANNON3 Filed as: COLLEEN BARBARA SHANNON | 4267 FOUR LAKES DR. MELBOURNE, FL 32940 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 8.48% |
| DANIEL C HARRIS3 Filed as: DANIEL C. HARRIS | 413 OAK RIDGE COURT MARS, PA 16046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $760 | — | $760 | 5.78% |
| BRIAN W PATTEN3 Filed as: BRIAN WILLIAM PATTEN | 121 BUCKTHORN RD. BADEN, PA 15005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $640 | — | $640 | 4.87% |
| ADAM BONNETT3 | 933 LEE ROAD SUITE 200 ORLANDO, FL 32810 | CONTINENTAL AMERICAN INSURANCE COMPANY | $518 | — | $518 | 3.94% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 1401 FORUM WAY SUITE 401 WEST PALM BEACH, FL 33401 | SOLSTICE BENEFITS, INC. | $963 | — | $963 | 15.00% |
| FOUNDATION RISK PARTNERS CORP4 Filed as: FOUNDATION RISK PARTNERS CORP. | 4634 GULFSTARR DRIVE DESTIN, FL 32541 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $408 | — | $408 | 9.88% |
| BARRY OLFERN AND ASSOC. INC4 Filed as: BARRY OLFERN AND ASSOCIATES, INC. | 954 TYLER ST. HOLLYWOOD, FL 33019 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $402 | — | $402 | 9.73% |
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 | 299 | 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) | 299 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 30 | $599K |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 358 | $82K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 358 | $75K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 358 | $75K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 30 | $732K |
| Other(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 358 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 358 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.