| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MADURO INSURANCE GROUP3 Filed as: MADURO INSURANCE GRP DBA GALLAGHE | 9020 SW 137TH AVE 250 MIAMI, FL 33186 | AETNA HEALTH INC. | — | $75K | $75K | 2.57% |
| MADURO INSURANCE GROUP3 Filed as: MADURO INSURANCE GRP DBA GALLAGHE | 18001 OLD CUTLER RD STE 560 PALMETTO BAY, FL 33157 | AETNA HEALTH INC. | — | $33K | $33K | 1.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: MADURO INSURANCE GRP DBA GALLAGHER | 9020 SW 137TH AVE 250 MIAMI, FL 33186 | AETNA LIFE INSURANCE COMPANY | $6K | $440 | $6K | 3.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: MADURO INSURANCE GRP DBA GALLAGHER | 18001 OLD CUTLER RD STE 560 PALMETO BAY, FL 33157 | AETNA LIFE INSURANCE COMPANY | $2K | $473 | $3K | 1.51% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOC INC | 1000 N ASHLEY DRIVE #110 TAMPA, FL 32602 | AETNA LIFE INSURANCE COMPANY | — | $223 | $223 | 0.13% |
| MADURO INSURANCE GROUP3 | 18001 OLD CUTLER RD STE 560 PALMETTO BAY, FL 33157 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 14.80% |
| MADURO INSURANCE GROUP3 | 18001 OLD CUTLER RD STE 560 PALMETTO BAY, FL 33157 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 12.40% |
| INSGROUP INC3 Filed as: MADURO INSURANCE GROUP DBA TOM GALL | 9020 SW 137TH AVE # 250 MIAMI, FL 33186 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE C | $3K | — | $3K | 7.45% |
| INSGROUP INC3 Filed as: MADURO INSURANCE GROUP DBA TOM GALL | 18001 OLD CUTLER ROAD STE 560 PALMETTO BAY, FL 33157 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE C | $687 | — | $687 | 2.03% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES, INC. | 1000 N ASHLEY DRIVE #110 TAMPA, FL 33602 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE C | $169 | — | $169 | 0.50% |
| MADURO INSURANCE GROUP3 | 18001 OLD CUTLER RD STE 560 PALMETO BAY, FL 33157 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 11.38% |
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 | 512 | 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) | 512 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 623 | $178K |
| Dental | AETNA LIFE INSURANCE COMPANY | 623 | $178K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE C | 459 | $34K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 512 | $69K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 157 | $91K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 157 | $91K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 512 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 623 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.