| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DEIGO, CA 92101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $5K | $0 | $5K | 9.83% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 8299 PASADENA, CA 91109 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 11.43% |
| MORFAR STRATEGIES INC3 | 10380 NW 52ND ST CORAL SPRINGS, CA 33076 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $166 | $136 | $302 | 8.08% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 33196 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $203 | $63 | $266 | 7.11% |
| PEACOCK FINANCIALS INC3 Filed as: PEACOCK FINANCIALS | 11830 NW 32ND MANOR SUNRISE, FL 33323 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $94 | $120 | $214 | 5.72% |
| LAWRENCE DAVID FURNISS3 Filed as: LAWRENCE FURNISS | 9022 SW 123RD COURT APARTMENT 0-402 MIAMI, FL 33186 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $62 | $0 | $62 | 1.66% |
| LISA M RUSSEY3 Filed as: LISA RUSSEY | 10380 NW 52ND STREET CORAL SPRINGS, FL 33076 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $39 | $15 | $54 | 1.44% |
| MJ INSURANCE3 Filed as: HERITAGE GROUP & VARIOUS AGENTS | 5200 BLUE LAGOON DRIVE MIAMI, FL 33126 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $50 | $0 | $50 | 1.34% |
| ESQUEN INSURANCE GROUP CORP3 Filed as: ESQUEN INSURANCE GROUP | 14552 SW 152ND PLACE MIAMI, FL 33196 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.48% |
| MORFAR STRATEGIES INC3 | 10380 NW 52ND ST CORAL SPRINGS, FL 33076 | THE PAUL REVERE LIFE INSURANCE COMPANY | $27 | $12 | $39 | 3.72% |
| LISA M RUSSEY3 Filed as: LISA RUSSEY | 10380 NW 52ND STREET CORAL SPRINGS, FL 33076 | THE PAUL REVERE LIFE INSURANCE COMPANY | $10 | $0 | $10 | 0.96% |
| PEACOCK FINANCIALS INC3 Filed as: PEACOCK FINANCIALS | 11830 NW 32ND MANOR SUNRISE, FL 33323 | THE PAUL REVERE LIFE INSURANCE COMPANY | $7 | $0 | $7 | 0.67% |
| LAWRENCE DAVID FURNISS3 Filed as: LAWRENCE FURNISS | 9022 SW 123RD COURT APARTMENT 0-402 MIAMI, FL 33186 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4 | $0 | $4 | 0.38% |
| TRESSA VADETTE DARGAN JASPER3 Filed as: TRESSA JASPER | 13760 SOUTHGATE STREET SPRINGFIELD GARDENS, NY 11413 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3 | $0 | $3 | 0.29% |
| MJ INSURANCE3 Filed as: JUDITH VIDAL AND VARIOUS AGENTS | 7280 STIRLING ROAD, APARTMENT 105 HOLLYWOOD, FL 33024 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | $0 | $2 | 0.19% |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 106 | $54K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 106 | $54K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 127 | $51K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 127 | $51K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 127 | $51K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 127 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.