| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOTAL FINANCIAL SERVICES3 | 2542 EAGLE RUN DR. WESTON, FL 333271526 | BLUE CROSS BLUE SHIELD OF FLORIDA | $32K | $0 | $32K | 5.00% |
| TOTAL FINANCIAL SERVICES3 | 2542 EAGLE RUN DR. WESTON, FL 333271526 | BLUE CROSS BLUE SHIELD OF FLORIDA | $30K | $0 | $30K | 5.00% |
| TOTAL FINANCIAL SERVICES3 | 2542 EAGLE RUN DR WESTON, FL 333271526 | FLORIDA COMBINED LIFE | $3K | $0 | $3K | 7.68% |
| AMELIE HERNANDEZ3 | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $1K | $0 | $1K | 2.33% |
| BENEFITMALL3 | 6750 N ANDREWS AVE STE 125 FORT LAUDERDALE, FL 333092148 | FLORIDA COMBINED LIFE | $918 | $0 | $918 | 2.11% |
| MAGGIE LUCAS3 | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $315 | $0 | $315 | 0.72% |
| TOTAL FINANCIAL SERVICES3 | 2542 EAGLE RUN DR WESTON, FL 333271526 | FLORIDA COMBINED LIFE | $2K | $0 | $2K | 15.88% |
| AMELIE HERNANDEZ3 | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $199 | $0 | $199 | 1.44% |
| BENEFITMALL3 | 6750 N ANDREWS AVE STE 125 FORT LAUDERDALE, FL 33309 | FLORIDA COMBINED LIFE | $193 | $0 | $193 | 1.39% |
| JANET PERKINS3 | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $191 | $0 | $191 | 1.38% |
| MAGGIE LUCAS3 | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $71 | $0 | $71 | 0.51% |
| TOTAL FINANCIAL SERVICES3 | 2542 EAGLE RUN DR WESTON, FL 333271526 | FLORIDA COMBINED LIFE | $495 | $0 | $495 | 11.05% |
| AMELIE HERNANDEZ3 | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $190 | $27 | $217 | 4.84% |
| BENEFITMALL3 | 6750 N ANDREWS AVE STE 125 FORT LAUDERDALE, FL 333092148 | FLORIDA COMBINED LIFE | $46 | $0 | $46 | 1.03% |
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 | 173 | 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) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 92 | $1.2M |
| Dental(2 contracts) | FLORIDA COMBINED LIFE | 54 | $57K |
| Vision | BLUE CROSS BLUE SHIELD OF FLORIDA | 51 | $598K |
| Life insurance | FLORIDA COMBINED LIFE | 173 | $4K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 92 | $1.2M |
| Other | FLORIDA COMBINED LIFE | 173 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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.