| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FAISON GROUP BENEFITS INC3 | 6468 NW 5TH WAY FORT LAUDERDALE, FL 33309 | BLUE CROSS BLUE SHIELD OF FLORIDA | $1.2M | — | $1.2M | 62.50% |
| FAISON GROUP BENEFITS INC3 Filed as: FAISON GROUP BENEFITS INC. | 6468 NW 5TH WAY FORT LAUDERDALE, FL 33309 | GUARDIAN | $16K | — | $16K | 10.00% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS | 131 TREMONT ST 3RD FLOOR BOSTON, MA 02111 | GUARDIAN | $5K | — | $5K | 3.00% |
| ALLIANCE FIN GRP OF CENTRAL &3 Filed as: ALLIANCE FIN GROUP OF CENTRAL | 14021 METROPOLIS AVE FORT MYERS, FL 33912 | GUARDIAN | $601 | — | $601 | 0.38% |
| FAISON GROUP BENEFITS INC3 | 6468 NW 5TH WAY FORT LAUDERDALE, FL 33309 | USABLE LIFE | $6K | — | $6K | 14.86% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $2K | — | $2K | 4.90% |
| FAISON GROUP BENEFITS INC3 | 6468 NW 5TH WAY FORT LAUDERDALE, FL 33309 | USABLE LIFE | $4K | — | $4K | 14.85% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $1K | — | $1K | 4.90% |
| FAISON GROUP BENEFITS INC3 | 6468 NW 5TH WAY FORT LAUDERDALE, FL 33309 | USABLE LIFE | $4K | — | $4K | 16.34% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $1K | — | $1K | 4.90% |
| FAISON GROUP BENEFITS INC3 | 6424 NW 5TH WAY FORT LAUDERDALE, FL 33309 | METLIFE LEGAL PLANS OF FLORIDA | $474 | $20 | $494 | 10.45% |
| FAISON GROUP BENEFITS INC3 | 6468 NW 5TH WAY FORT LAUDERDALE, FL 33309 | USABLE LIFE | $502 | — | $502 | 16.46% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $149 | — | $149 | 4.89% |
| FAISON GROUP BENEFITS INC3 | 6468 NW 5TH WAY FORT LAUDERDALE, FL 33309 | USABLE LIFE | $2K | — | $2K | 77.03% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $470 | — | $470 | 22.97% |
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 | 150 | 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) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 151 | $1.9M |
| Dental | GUARDIAN | 161 | $158K |
| Vision | GUARDIAN | 161 | $158K |
| Life insurance(2 contracts) | USABLE LIFE | 232 | $29K |
| Short-term disability | USABLE LIFE | 150 | $42K |
| Long-term disability | USABLE LIFE | 150 | $30K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 151 | $1.9M |
| Other(3 contracts, 2 carriers) | METLIFE LEGAL PLANS OF FLORIDA | 232 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 232 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.