| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2255 GLADES RD STE 240W BOCA RATON, FL 33431 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | — | $15K | 3.72% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN FL HOMESTEAD | 8825 NW 21ST TER DORAL, FL 33172 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 0.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $546 | $546 | 0.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER | — | ZURICH INSURANCE COMPANY | $3K | — | $3K | 9.00% |
| INNOVATIVE WORKPLACE BENEFITS3 | — | ZURICH INSURANCE COMPANY | $3K | — | $3K | 8.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | — | ZURICH INSURANCE COMPANY | $2K | — | $2K | 5.99% |
| ACI3 | — | ZURICH INSURANCE COMPANY | $2K | — | $2K | 5.59% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | STARMOUNT LIFE INSURANCE COMPANY | — | $2K | $2K | 8.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | TWO PIERCE PL 21ST FL ITASCA, IL 60143 | STARMOUNT LIFE INSURANCE COMPANY | $1K | — | $1K | 7.06% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN, INC | PO BOX 9201 AUSTIN, TX 78766 | STARMOUNT LIFE INSURANCE COMPANY | — | $885 | $885 | 4.49% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INSURANCE SERV | 8825 NW 21ST TERRACE DORAL, FL 33172 | STARMOUNT LIFE INSURANCE COMPANY | $378 | $76 | $454 | 2.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD ROLLING MEADOWS, IL 60008 | STARMOUNT LIFE INSURANCE COMPANY | — | $348 | $348 | 1.76% |
| SHIRLEY SASTRE SOUTO3 | 560 REINANTE AVE CORAL GABLES, FL 33156 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 17.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 111 VETERANS BLVD STE 1130 METAIRIE, LA 70005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 11.50% |
| VALERIE MARQUEZ BLANCO3 | 12110 SW 105 TERRACE MIAMI, FL 33186 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 10.18% |
| EILEEN SANCHEZ MEDINA3 Filed as: EILEEN SANCHEZ-MEDINA | 6100 SW 44 TER MIAMI, FL 33155 | CONTINENTAL AMERICAN INSURANCE COMPANY | $675 | — | $675 | 5.28% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | — | $27 | 0.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | TWO PIERCE PL 21ST PL ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 10.55% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 8.06% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN, INC | PO BOX 9201 AUSTIN, TX 78766 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $568 | $568 | 4.47% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INSURANCE SERV | 8825 NW 21ST TERRACE DORAL, FL 33172 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $366 | $49 | $415 | 3.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $223 | $223 | 1.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | TWO PIERCE PL 21ST FL ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 10.69% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $962 | $962 | 8.09% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN INC | PO BOX 9201 AUSTIN, TX 78766 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $534 | $534 | 4.49% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INSURANCE SERV | 8825 NW 21ST TERRACE DORAL, FL 33172 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $332 | $44 | $376 | 3.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $212 | $212 | 1.78% |
| IBIS S PEREZ ESTRADA3 | 429 DEER RUN MIAMI SPRINGS, FL 33166 | AFLAC | $327 | — | $327 | 3.11% |
| VALERIE MARQUEZ BLANCO3 | 12110 SW 105TH TER MIAMI, FL 33186 | AFLAC | $109 | — | $109 | 1.04% |
| MARTA M SASTRE3 | 1214 COLUMBUS BLVD CORAL GABLES, FL 33134 | AFLAC | $88 | — | $88 | 0.84% |
| ANA GLADYS HIDALGO3 | 841 SW 72ND AVE MIAMI, FL 33144 | AFLAC | $53 | — | $53 | 0.50% |
| MARIA C ORTIZ3 | 7400 SW 50TH TER STE 300 MIAMI, FL 33155 | AFLAC | $51 | — | $51 | 0.48% |
| RONALD INFANTINO3 | 2680 TRILLIUM RDG UNIT 3210 THE VILLAGES, FL 32163 | AFLAC | $26 | — | $26 | 0.25% |
| MARIA CARDENAL3 | 10301 SW 98TH AVE MIAMI, FL 33176 | AFLAC | $24 | — | $24 | 0.23% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $15 | — | $15 | 0.14% |
| DAVID S MORRIS3 | 950 PENINSULA CORPORATE CIR STE 100 BOCA RATON, FL 33487 | AFLAC | $10 | — | $10 | 0.10% |
| MARIA ORBE3 | 8362 PINES BLVD PMB 250 PEMBROKE PINES, FL 33024 | AFLAC | $4 | — | $4 | 0.04% |
| ALFRED RIETKERK3 | 438 PISGAH PIKE PULASKI, TN 38478 | AFLAC | $2 | — | $2 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | TWO PIERCE PL 21ST FL ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 10.43% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $808 | $808 | 8.19% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN, INC | PO BOX 9201 AUSTIN, TX 78766 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $449 | $449 | 4.55% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INSURANCE SERVICE | 8825 NW 21ST TERRACE DORAL, FL 33172 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $318 | $42 | $360 | 3.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $172 | $172 | 1.74% |
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 | 128 | 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) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 81 | $392K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 58 | $20K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 58 | $20K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 128 | $10K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 46 | $12K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 46 | $12K |
| Other(5 contracts, 4 carriers) | ZURICH INSURANCE COMPANY | 128 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.