| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOTAL FINANCIAL SERVICES3 | 2542 EAGLE RUN DR WESTON, FL 33327 | HEALTH OPTIONS, INC | $47K | — | $47K | 4.50% |
| TOTAL FINANCIAL SERVICES3 | 2542 EAGLE RUN DR WESTON, FL 33327 | BLUE CROSS BLUE SHIELD OF FLORIDA | $30K | — | $30K | 4.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1201 W CYPRESS CREEK RD SUITE 130 FORT LAUDERDALE, FL 33309 | HEALTH OPTIONS, INC. | $5K | — | $5K | 4.50% |
| TOTAL FINANCIAL SERVICES3 Filed as: TOTAL FINANCIAL SERVICES INC | 2542 EAGLE RUN DR WESTON, FL 33327 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 18.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1201 W CYPRESS CREEK RD STE 130 FT LAUDERDALE, FL 33309 | BLUE CROSS BLUE SHIELD OF FLORIDA | $3K | — | $3K | 4.50% |
| TOTAL FINANCIAL SERVICES3 | 2542 EAGLE RUN DR WESTON, FL 33327 | FLORIDA COMBINDED LIFE | $5K | — | $5K | 9.09% |
| BENEFITMALL3 | 6750 N ANDREWS AVE STE 125 FORT LAUDERDALE, FL 33309 | FLORIDA COMBINDED LIFE | $3K | — | $3K | 4.72% |
| TOTAL FINANCIAL SERVICES3 | 2542 EAGLE RUN DR WESTON, FL 33327 | BLUECROSS BLUESHIELD OF FLORIDA, INC. | $1K | — | $1K | 2.56% |
| BENEFITMALL3 | 6750 N ANDREWS AVE STE 125 FT LAUDERDALE, FL 33309 | BLUECROSS BLUESHIELD OF FLORIDA, INC. | $422 | — | $422 | 1.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1201 W CYPRESS CREEK RD STE 130 FT LAUDERDALE, FL 33309 | BLUECROSS BLUESHIELD OF FLORIDA, INC. | $138 | — | $138 | 0.34% |
| TOTAL FINANCIAL SERVICES3 Filed as: TOTAL FINANCIAL SERVICES INC | 2542 EAGLE RUN DR WESTON, FL 33327 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 25.00% |
| TOTAL FINANCIAL SERVICES3 | 2542 EAGLE RUN DR WESTON, FL 33327 | FLORDIA COMBINED LIFE | $2K | — | $2K | 8.96% |
| BENEFITMALL3 | 6750 N ANDREWS AVE STE 125 FORT LAUDERDALE, FL 33309 | FLORDIA COMBINED LIFE | $149 | — | $149 | 0.72% |
| TOTAL FINANCIAL SERVICES3 | 2542 E EAGLE RUN DR WESTON, FL 33327 | FLORIDA COMBINED LIFE | $649 | — | $649 | 10.47% |
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 | 259 | 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) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | HEALTH OPTIONS, INC | 129 | $1.9M |
| Dental(2 contracts, 2 carriers) | FLORIDA COMBINDED LIFE | 131 | $81K |
| Vision | BLUECROSS BLUESHIELD OF FLORIDA, INC. | 75 | $41K |
| Life insurance | FLORIDA COMBINED LIFE | 32 | $6K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 94 | $85K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 94 | $85K |
| Prescription drug(4 contracts, 2 carriers) | HEALTH OPTIONS, INC | 129 | $1.9M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 101 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.