| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRANK H FURMAN INC3 Filed as: FRANK FURMAN INC | 1314 E ATLANTIC BLVD POMPANO BEACH, FL 33060 | HARTFORD LIFE AND ACCIDENT | $19K | — | $19K | 24.16% |
| WEBTPA EMPLOYER SERVICES LLC3 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 2.77% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MA 49503 | HARTFORD LIFE AND ACCIDENT | — | $162 | $162 | 0.21% |
| R&R INTEGRATED SOLUTIONS3 | 5910 BRECKENRIDGE PKWY STE B TAMPA, FL 33610 | HARTFORD LIFE AND ACCIDENT | -$384 | — | -$384 | -0.49% |
| REBER GROUP INC3 | 16131 EMERALD COVE RD WESTON, FL 33331 | HARTFORD LIFE AND ACCIDENT | -$384 | — | -$384 | -0.49% |
| FRANK H FURMAN INC3 | 1314 E ATLANTIC BLVD POMPANO BEACH, FL 33060 | FLORIDA COMBINDED LIFE | $2K | — | $2K | 4.57% |
| FRANK H FURMAN INC3 Filed as: FRANK H. FURMAN, INC. | 1314 EAST ATLANTIC BLVD POMPANO BEACH, FL 33060 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE | $2K | — | $2K | 9.23% |
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 | 224 | 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) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GREAT MIDWEST | 212 | $0 |
| Dental | FLORIDA COMBINDED LIFE | 174 | $50K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE | 410 | $22K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 60 | $78K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 60 | $78K |
| Other | HARTFORD LIFE AND ACCIDENT | 60 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 410 | — |
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.