| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALTERITY GROUP3 | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $22K | $15K | $37K | 4.99% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $37K | — | $37K | 4.98% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 3650 MANSELL ROAD, SUITE 100 ALPHARETTA, GA 30022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 5.45% |
| LOCKTON COMPANIES, LLC3 | 3601 SW 160TH AVENUE, SUITE 200 MIRAMAR, FL 33027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $714 | — | $714 | 2.30% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES G. BROWN | 2002 EASTWOOD ROAD, SUITE 301 WILMINGTON, NC 28403 | CONTINENTAL AMERICAN INSURANCE COMPANY | $320 | — | $320 | 1.03% |
| ROBERT M GLASS CORP3 Filed as: ROBERT N. DIAZ | 12103 SW BAYBERRY AVENUE PORT SAINT LUCIE, FL 34987 | CONTINENTAL AMERICAN INSURANCE COMPANY | $99 | — | $99 | 0.32% |
| LESLEY ANN KEENAN3 Filed as: LESLEY A. KEENAN | 605 HERMITAGE CIRCLE PALM BEACH GARDENS, FL 33410 | CONTINENTAL AMERICAN INSURANCE COMPANY | $99 | — | $99 | 0.32% |
| DAVID S MORRIS3 Filed as: DAVID S. MORRIS | 10519 WHEELHOUSE CIRCLE BOCA RATON, FL 33428 | CONTINENTAL AMERICAN INSURANCE COMPANY | $69 | — | $69 | 0.22% |
| MJ INSURANCE3 Filed as: MARIA ORBE AND VARIOUS AGENTS | 6725 DOGWOOD DRIVE MIRAMAR, FL 33023 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | — | $35 | 0.11% |
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 | 1,912 | 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) | 1,912 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,912 | $733K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,912 | $733K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,912 | $733K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,912 | $764K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,912 | — |
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.
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.