| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOTAL FINANCIAL SERVICES3 | 2542 EAGLE RUN DR WESTON, FL 333271526 | HEALTH OPTIONS | $49K | $0 | $49K | 5.99% |
| TOTAL FINANCIAL SERVICES3 | 2542 EAGLE RUN DR. WESTON, FL 333271526 | BLUE CROSS BLUE SHIELD OF FLORIDA | $42K | $0 | $42K | 6.00% |
| TOTAL FINANCIAL SERVICES3 | 2542 EAGLE RUN DR WESTON, FL 333271526 | FLORIDA COMBINED LIFE | $8K | $0 | $8K | 14.33% |
| FLORIDA BLUE3 Filed as: OTERO, LISA FLORIDA BLUE | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $106 | $0 | $106 | 0.19% |
| TOTAL FINANCIAL SERVICES3 | 2542 EAGLE RUN DR WESTON, FL 333271526 | FLORIDA COMBINED LIFE | $3K | $0 | $3K | 17.95% |
| BENEFITMALL3 | 6750 N ANDREWS AVE STE 125 FORT LAUDERDALE, FL 333092148 | FLORIDA COMBINED LIFE | $255 | $0 | $255 | 1.49% |
| FLORIDA BLUE3 Filed as: RIZZI, FRAN FLORIDA BLUE | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $45 | $0 | $45 | 0.26% |
| TOTAL FINANCIAL SERVICES3 | 2542 EAGLE RUN DR. WESTON, FL 333271526 | BLUE CROSS BLUE SHIELD OF FLORIDA | $973 | $0 | $973 | 6.00% |
| BENEFITMALL3 | 6750 N ANDREWS AVE SUITE 125 FORT LAUDERDALE, FL 33309 | BLUE CROSS BLUE SHIELD OF FLORIDA | $324 | $0 | $324 | 2.00% |
| TOTAL FINANCIAL SERVICES3 | 2542 EAGLE RUN DR WESTON, FL 333271526 | FLORIDA COMBINED LIFE | $594 | $0 | $594 | 11.98% |
| FLORIDA BLUE3 Filed as: OTERO, LISA FLORIDA BLUE | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $31 | $0 | $31 | 0.63% |
| BENEFITMALL3 | 6750 N ANDREWS AVE STE 125 FORT LAUDERDALE, FL 333092148 | FLORIDA COMBINED LIFE | $18 | $0 | $18 | 0.36% |
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 | 170 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 46 | $693K |
| Dental(2 contracts) | FLORIDA COMBINED LIFE | 64 | $72K |
| Vision | BLUE CROSS BLUE SHIELD OF FLORIDA | 160 | $16K |
| Life insurance | FLORIDA COMBINED LIFE | 176 | $5K |
| Prescription drug | HEALTH OPTIONS | 96 | $817K |
| Other | FLORIDA COMBINED LIFE | 176 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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.