| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MADURO INSURANCE GROUP3 Filed as: MADURO INSURANCE GRP DBA GALLAGHE | 18001 OLD CUTLER RD STE 560 PALMETTO BAY, FL 33157 | AETNA HEALTH INC. | — | $149K | $149K | 4.31% |
| 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 | $9K | $1K | $10K | 5.46% |
| MADURO INSURANCE GROUP3 | 18001 OLD CUTLER RD STE 560 PALMETTO BAY, FL 33157 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 15.54% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADMINISTRAT | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $522 | — | $522 | 0.48% |
| MADURO INSURANCE GROUP3 | 18001 OLD CUTLER RD STE 560 PALMETTO BAY, FL 33157 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 15.54% |
| VOLUNTARY INS GROUP INC3 Filed as: VOLUNTARY INSURANCE GROUP INC | 231 SW 6ERD TERR PEMBROKE PINES, FL 33023 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 6.47% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $360 | — | $360 | 0.43% |
| MADURO INSURANCE GROUP3 | 18001 OLD CUTLER RD STE 560 PALMETTO BAY, FL 33157 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 17.61% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADMINISTRAT | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $328 | — | $328 | 0.49% |
| MADURO INSURANCE GROUP3 | 18001 OLD CUTLER RD STE 560 PALMETTO BAY, FL 33157 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 38.12% |
| VOLUNTARY INS GROUP INC3 Filed as: VOLUNTARY INSURANCE GROUP INC | 231 SW 6ERD TERR PEMBROKE PINES, FL 33023 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 10.12% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $78 | — | $78 | 0.43% |
| MADURO INSURANCE GROUP3 | 18001 OLD CUTLER RD STE 560 PALMETO BAY, FL 33157 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $982 | — | $982 | 10.76% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADMINISTRAT | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $45 | — | $45 | 0.49% |
| 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 | $780 | — | $780 | 10.00% |
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 | 503 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 508 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 639 | $180K |
| Dental | AETNA LIFE INSURANCE COMPANY | 639 | $180K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE C | 113 | $8K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 503 | $94K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 183 | $108K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 183 | $108K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 503 | $179K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 639 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.