| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED FINANCIAL CONSULTANTS3 | 2699 STIRLING ROAD SUITE A200 FT. LAUDERDALE, FL 33312 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $89K | $89K | 6.00% |
| ASSOCIATED FINANCIAL CONSULTANTS3 | 2699 STIRLING ROAD SUITE A200 FT. LAUDERDALE, FL 33312 | MANHATTAN LIFE ASSURANCE CO OF AMERICA | $24K | — | $24K | 12.00% |
| ASSOCIATED FINANCIAL CONSULTANTS3 | 2699 STIRLING ROAD SUITE A200 FT. LAUDERDALE, FL 33312 | COMPBENEFITS COMPANY | $9K | — | $9K | 7.50% |
| ASSOCIATED FINANCIAL CONSULTANTS3 | 2699 STIRLING ROAD SUITE A200 FT. LAUDERDALE, FL 33312 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $3K | $14K | 18.94% |
| JUST IN TIME EDUCATION & TECH5 Filed as: JUST IN TIME EDUCATION AND TECHNOL | 153 E FLAGLER STREET, #228 MIAMI, FL 33131 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 6.00% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP, LLC | 325 N KIRKWOOD ROAD, STE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 501 OFFICE CENTER DR., STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 1.70% |
| ASSOCIATED FINANCIAL CONSULTANTS3 | 2699 STIRLING ROAD SUITE A200 FT. LAUDERDALE, FL 33312 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 7.19% |
| M. RODGERS GROUP LLC4 | PO BOX 853 GEORGETOWN, CO 80444 | PRE-PAID LEGAL SERVICE INC DBA LEGAL SHIELD | $2K | — | $2K | 33.29% |
| ASSOCIATED FINANCIAL CONSULTANTS4 | 2699 STIRLING ROAD SUITE A200 FT. LAUDERDALE, FL 33312 | PRE-PAID LEGAL SERVICE INC DBA LEGAL SHIELD | $1K | — | $1K | 17.63% |
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 | 369 | 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) | 369 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 224 | $1.5M |
| Dental(2 contracts, 2 carriers) | COMPBENEFITS COMPANY | 187 | $158K |
| Vision | HUMANA INSURANCE COMPANY | 187 | $41K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 342 | $76K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 342 | $76K |
| Other(3 contracts, 3 carriers) | MANHATTAN LIFE ASSURANCE CO OF AMERICA | 369 | $280K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 369 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.