| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNON AGENCY | 101 STARCREST DRIVE CLEARWATER, FL 33765 | FLORIDA HEALTH CARE PLANS, INC. | $21K | $0 | $21K | 3.09% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | FLORIDA HEALTH CARE PLANS, INC. | $13K | — | $13K | 1.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 485 NORTH KELLER ROAD, SUITE 450 MAITLAND, FL 32751 | UNITED OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 7.33% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 8299 PASADENA, CA 91109 | UNITED OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.95% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | 1607 NORTH AURORA ROAD, SUITE 201 NAPERVILLE, IL 60563 | UNITED OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 NORTH STARCREST DRIVE CLEARWATER, FL 33765 | BLUE CROSS BLUE SHIELD OF FLORIDA | $739 | — | $739 | 5.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, SUITE 600 SAN DIEGO, CA 92101 | BLUE CROSS BLUE SHIELD OF FLORIDA | $528 | — | $528 | 5.00% |
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 | 108 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | FLORIDA HEALTH CARE PLANS, INC. | 304 | $713K |
| Dental | UNITED OMAHA LIFE INSURANCE COMPANY | 108 | $77K |
| Vision | UNITED OMAHA LIFE INSURANCE COMPANY | 108 | $77K |
| Life insurance | UNITED OMAHA LIFE INSURANCE COMPANY | 108 | $77K |
| Long-term disability | UNITED OMAHA LIFE INSURANCE COMPANY | 108 | $77K |
| Prescription drug(3 contracts, 2 carriers) | FLORIDA HEALTH CARE PLANS, INC. | 304 | $713K |
| Other | UNITED OMAHA LIFE INSURANCE COMPANY | 108 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 304 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.