| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORA JOURNEY3 Filed as: CORA I JOURNEY | 7563 NW 70TH AVE PARKLAND, FL 330673962 | HUMANA INSURANCE COMPANY | — | $3K | $3K | 0.50% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: VCS INC WARNER PACIFIC INS | 32110 AGOURA ROAD WESTLAKE, CA 91361 | CONTINENTAL AMERICAN INSURANCE COMPANY | $59K | — | $59K | 12.76% |
| JOURNEY INS GRP INC3 | 3561 NW 88TH DRIVE APT 307 CORAL SPRINGS, FL 33065 | CONTINENTAL AMERICAN INSURANCE COMPANY | $54K | — | $54K | 11.76% |
| MARIA CARDENAL3 | 12705 SW 91ST AVE MIAMI, FL 33176 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34K | — | $34K | 7.35% |
| VELOCITY BENEFITS3 | 119 NORTHBROOKE TRACE WOODSTOCK, GA 30188 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20K | — | $20K | 4.39% |
| EILEEN SANCHEZ MEDINA3 Filed as: EILEEN SANCHEZ-MEDINA | 6100 SW44 TER MIAMI, FL 33155 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | — | $11K | 2.42% |
| ALEJANDRO CARDENAL3 | 10301 SW 98TH AVE MIAMI, FL 33176 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | — | $10K | 2.06% |
| AMG BRICKELL INC3 Filed as: AMG | 1111 PARK CENTRE BLVD., SUITE 401 MIAMI, FL 33169 | PREFERRED LEGAL PLAN | $6K | — | $6K | 16.97% |
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 | 917 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 26 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 952 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,308 | $480K |
| Dental | HUMANA INSURANCE COMPANY | 850 | $595K |
| Vision | HUMANA INSURANCE COMPANY | 850 | $595K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,399 | $1.1M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,399 | $1.1M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,399 | $1.1M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,308 | $480K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,399 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,399 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.