| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRANK H FURMAN INC3 | 1314 EAST ATLANTIC BLVD POMPANO BEACH, FL 33060 | AETNA LIFE INSURANCE COMPANY | $11K | — | $11K | 10.17% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FINANCIAL SER | 12404 PARK CENTRAL DR DALLAS, TX 75251 | AETNA LIFE INSURANCE COMPANY | $5K | — | $5K | 4.54% |
| FRANK H FURMAN INC3 Filed as: FRANK FURMAN INC | 1314 E ATLANTIC BLVD POMPANO BEACH, FL 33060 | HARTFORD LIFE AND ACCIDENT | $9K | — | $9K | 19.84% |
| WEBTPA EMPLOYER SERVICES LLC3 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 2.65% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1201 W CYPRESS CREEK RD #130 FORT LAUDERDALE, FL 33310 | HARTFORD LIFE AND ACCIDENT | $839 | — | $839 | 1.81% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | HARTFORD LIFE AND ACCIDENT | — | $554 | $554 | 1.19% |
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 | 248 | 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) | 248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GREAT MIDWEST | 167 | $0 |
| Dental | AETNA LIFE INSURANCE COMPANY | 248 | $104K |
| Vision | AETNA LIFE INSURANCE COMPANY | 248 | $104K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 31 | $46K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 31 | $46K |
| Other | HARTFORD LIFE AND ACCIDENT | 31 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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.