| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOUMAR INSURANCE & FINANCIAL SERVIC3 | 1928 COMMERCE LN STE 4 JUPITER, FL 33458 | BLUE CROSS BLUE SHIELD OF FLORIDA | $46K | — | $46K | 6.00% |
| DOUMAR INSURANCE & FINANCIAL SERVIC3 | 1928 COMMERCE LN STE 4 JUPITER, FL 33458 | HEALTH OPTIONS, INC. | $12K | — | $12K | 6.00% |
| DOUMAR INSURANCE & FINANCIAL SERVIC3 Filed as: DOUMAR INS. & FIN SERV INC. | 1928 COMMERCE LANE SUITE 4 JUPITER, FL 33458 | GUARDIAN | $4K | — | $4K | 7.34% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS-SEE ATTACHED | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 8.35% |
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 | 126 | 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) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 74 | $766K |
| Dental | GUARDIAN | 126 | $60K |
| Vision | GUARDIAN | 126 | $60K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 21 | $14K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 21 | $14K |
| Long-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 21 | $14K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 74 | $966K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 21 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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.