| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRANK H FURMAN INC3 Filed as: FRANK H. FURMAN, INC. | 1314 E ATLANTIC BLVD POMPANO BEACH, FL 330606745 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $27K | $3K | $30K | 14.14% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA ALL TRUST INSURANC | 100 OTTAWA AVE SW GRAND RAPIDS, MO 49503 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | — | $14K | 6.54% |
| FRANK H FURMAN INC3 | 1314 E. ATLANTIC BLVD POMPANO BEACH, FL 00360 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | — | $3K | 7.56% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA ALLTRUST | 100 OTTAWA AVE SW GRAND RAPIDS, MO 49503 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $2K | — | $2K | 3.86% |
| FURMAN FRANK H INC3 | 1314 E ATLANTIC BLVD PO BOX 1927 POMPANO BEACH, FL 33060 | HUMANA INSURANCE COMPANY | $600 | — | $600 | 12.26% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA ALLTRUST INSURANCE | 2965 ALT 19 NORTH PALM HARBOR, FL 34683 | HUMANA INSURANCE COMPANY | $207 | — | $207 | 4.23% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator; Float revenue; Non-monetary compensation; Named fiduciary; Participant communication; Direct payment from the plan; Other services Service code 12 | — | $28K |
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 | 160 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 139 | $216K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 124 | $41K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 124 | $41K |
| Life insurance | HUMANA INSURANCE COMPANY | 160 | $5K |
| Other | HUMANA INSURANCE COMPANY | 160 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.