| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $7K | $135K | $143K | 3.89% |
| MADURO INSURANCE GROUP3 | 18001 OLD CUTLER RD STE 560 PALMETTO BAY, FL 33157 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 14.80% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADMINISTRAT | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $440 | — | $440 | 0.50% |
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF INSURANCE SERVICES | 2790 N FEDERAL HWY STE 300 BOCA RATON, FL 33431 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $175 | — | $175 | 0.20% |
| MADURO INSURANCE GROUP3 | 18001 OLD CUTLER RD STE 560 PALMETTO BAY, FL 33157 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 15.00% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADMINISTRAT | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $328 | — | $328 | 0.50% |
| 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 | $3K | — | $3K | 10.73% |
| MADURO INSURANCE GROUP3 | 18001 OLD CUTLER RD STE 560 PALMETO BAY, FL 33157 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $877 | — | $877 | 9.95% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADMINISTRAT | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $44 | — | $44 | 0.50% |
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF INSURANCE SERVICES | 2790 N FEDERAL HWY STE 300 BOCA RATON, FL 33431 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4 | — | $4 | 0.05% |
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 | 420 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 422 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 480 | $3.7M |
| Dental | AETNA LIFE INSURANCE COMPANY | 480 | $3.7M |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE C | 378 | $29K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 420 | $74K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 142 | $88K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 142 | $88K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 420 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 480 | — |
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.