| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 901 MARQUETTE AVE SUITE 1800 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $99 | $99 | 0.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $17K | $0 | $17K | 4.77% |
| TURNER WOOD & SMITH3 Filed as: TURNER WOOD & SMITH AGENCY | 1515 COMMUNITY WAY GAINESVILLE, GA 30501 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 1.06% |
| SANDRA VELAZQUEZ3 | 6374 SOUTHWEST 22ND STREET MIAMI, FL 33155 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14K | $0 | $14K | 5.48% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 140 FOUNTAIN PKWY N SUITE 600 ST PETERSBURG, FL 33716 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | $0 | $13K | 5.08% |
| CHRISTINA ORTIZ3 Filed as: CHRISTINA M ORTIZ | 3530 W GLENCOE STREET MIAMI, FL 33133 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 2.17% |
| MARIROSY GONZALEZ3 | 2200 SW 4TH AVE MIAMI, FL 33129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 1.82% |
| VELOCITY BENEFITS3 | 113 SILKY SULLIVAN WAY CANTON, GA 30115 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 1.62% |
| INTEGRATED ENROLLMENT & TECHNOLOGY3 | 3696 NORTH FEDERAL HIGHWAY SUITE 202 FORT LAUDERDALE, FL 33308 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 1.56% |
| GABRIELA CASTRO VEGA3 | 17580 NW 67 PL APT J HIALEAH, FL 33015 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 1.01% |
| MICHAEL K PORTER3 | 5881 TOWN BAY DRIVE APT 916 BOCA RATON, FL 33486 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 1.00% |
| EILEEN SANCHEZ MEDINA3 Filed as: EILEEN SANCHEZ-MEDINA | 6100 SW 44 TER MIAMI, FL 33155 | CONTINENTAL AMERICAN INSURANCE COMPANY | $904 | $0 | $904 | 0.34% |
| NATALIA DURAN GUZMAN3 Filed as: NATALIA D GUZMAN | 1945 SW 25TH TER MIAMI, FL 33133 | CONTINENTAL AMERICAN INSURANCE COMPANY | $355 | $0 | $355 | 0.13% |
| MARIA C ORTIZ3 | 7400 SW 50 TR #300 MIAMI, FL 33155 | CONTINENTAL AMERICAN INSURANCE COMPANY | $241 | $0 | $241 | 0.09% |
| AIMEE CECILIA CABRERA3 Filed as: AIMEE C CABRERA | 11866 SW 97 TERR MIAMI, FL 33186 | CONTINENTAL AMERICAN INSURANCE COMPANY | $100 | $0 | $100 | 0.04% |
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 | 799 | 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) | 799 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,074 | $393K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,074 | $371K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 799 | $356K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 799 | $356K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 799 | $356K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 799 | $620K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,074 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.