| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOTAL FINANCIAL SERVICES3 | 2542 EAGLE RUN DR WESTON, FL 33327 | HEALTH OPTIONS | $59K | $0 | $59K | 6.01% |
| TOTAL FINANCIAL SERVICES3 | 2542 EAGLE RUN DR. WESTON, FL 33327 | BLUE CROSS BLUE SHIELD OF FLORIDA | $40K | $0 | $40K | 5.98% |
| TOTAL FINANCIAL SERVICES3 | 2542 EAGLE RUN DR WESTON, FL 333271526 | FLORIDA COMBINED LIFE | $6K | $0 | $6K | 9.98% |
| FLORIDA BLUE3 Filed as: OTERO, LISA FLORIDA BLUE | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $354 | $0 | $354 | 0.61% |
| TOTAL FINANCIAL SERVICES3 | 2542 EAGLE RUN DR. WESTON, FL 333271526 | BLUE CROSS BLUE SHIELD OF FLORIDA | $1K | $0 | $1K | 6.00% |
| TOTAL FINANCIAL SERVICES3 | 2542 EAGLE RUN DR WESTON, FL 333271526 | FLORIDA COMBINED LIFE | $2K | $0 | $2K | 9.89% |
| BENEFITMALL3 | 6750 N ANDREWS AVE STE 125 FORT LAUDERDALE, FL 333092148 | FLORIDA COMBINED LIFE | $249 | $0 | $249 | 1.54% |
| FLORIDA BLUE3 Filed as: OTERO, LISA FLORIDA BLUE | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $149 | $0 | $149 | 0.92% |
| TOTAL FINANCIAL SERVICES3 | 2542 EAGLE RUN DR WESTON, FL 333271526 | FLORIDA COMBINED LIFE | $584 | $0 | $584 | 11.92% |
| FLORIDA BLUE3 Filed as: OTERO, LISA FLORIDA BLUE | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $92 | $0 | $92 | 1.88% |
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 | 230 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 48 | $669K |
| Dental(2 contracts) | FLORIDA COMBINED LIFE | 123 | $74K |
| Vision | BLUE CROSS BLUE SHIELD OF FLORIDA | 114 | $17K |
| Life insurance | FLORIDA COMBINED LIFE | 230 | $5K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 106 | $1.6M |
| Other | FLORIDA COMBINED LIFE | 230 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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.