| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SELDEN BEATTIE BENEFIT ADVISORS3 Filed as: SELDEN BEATTIE BENEFIT ADVISORS INC | 3150 SOUTHWEST 38TH AVENUE SUITE 901 CORAL GABLES, FL 33146 | AETNA HEALTH, INC. | — | $97K | $97K | 5.08% |
| SELDEN BEATTIE BENEFIT ADVISORS3 Filed as: SELDEN BEATTIE BENEFIT ADVISORS INC | 3150 SOUTHWEST 38TH AVENUE SUITE 901 CORAL GABLES, FL 33146 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $33K | $0 | $33K | 12.36% |
| GCD INSURANCE CONSULTANTS INC3 | 7416 MONIKA MANOR DRIVE TAMPA, FL 33625 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $32K | $32K | 12.09% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 NORTH KIRKWOOD ROAD SUITE 300 SAINT LOUIS, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $8K | $8K | 3.02% |
| BEVERLY BEATTIE3 | 3150 SOUTHWEST 38TH AVENUE CORAL GABLES, FL 33146 | CAPITAL HEALTH PLAN | $5K | $0 | $5K | 4.01% |
| DARLING J LIE NIELSEN3 | 201 ALHAMBRA CIRCLE, SUITE 703 CORAL GABLES, FL 33134 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $320 | $1K | $1K | 4.81% |
| ROBERT J POLEO3 | 202 ALHAMBRIA CIRCLE SUITE 703 CORAL GABLES, FL 33134 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $0 | $64 | $64 | 0.21% |
| CHARLES E MC INTYRE3 Filed as: CHARLES E MCINTYRE | 1200 NORTH FEDERAL HIGHWAY SUITE 300 BOCA RATON, FL 33432 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $32 | $4 | $36 | 0.12% |
| CHARLES RICHARD DOWNS3 | 2 SOUTH BISCAYNE BOULEVARD SUITE 2200 MIAMI, FL 33131 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $0 | $16 | $16 | 0.05% |
| SELDEN BEATTIE BENEFIT ADVISORS3 Filed as: SELDEN BEATTIE BENEFIT ADVISORS INC | 3150 SOUTHWEST 38TH AVENUE SUITE 901 CORAL GABLES, FL 33146 | AETNA LIFE INSURANCE COMPANY | $454 | $1K | $2K | 7.24% |
| DAVID BRUCKMAN3 Filed as: DAVID A. ESSARY | 15150 TAYLOR ROAD ALPHARETTA, GA 30004 | TRUSTMARK INSURANCE COMPANY | $434 | $0 | $434 | 38.78% |
| SELDEN BEATTIE BENEFIT ADVISORS3 Filed as: SELDEN BEATTIE BENEFIT ADVISORS INC | 3150 SOUTHWEST 38TH AVENUE SUITE 901 CORAL GABLES, FL 33146 | TRUSTMARK INSURANCE COMPANY | $290 | $0 | $290 | 25.92% |
| CUNDY, INC.3 Filed as: CUNDY INC | PO BOX 24080 FORT LAUDERDALE, FL 33307 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $113 | $0 | $113 | 10.15% |
| THOMAS C CUNDY REVOCABLE TRUST3 | 600 BRICKELL AVENUE, 23RD FLOOR MIAMI, FL 33131 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $33 | $0 | $33 | 4.87% |
| SHEALY BENEFITS SERVICES INC3 | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 1.77% |
| THEODORE JAMES MCGONIGAL3 | 3525 BELLAND CIRCLE CLERMONT, FL 34711 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.44% |
| CORY JOSEPH FANECA3 Filed as: CORY JOSEPH FRANECA | 3308 50TH AVENUE EAST BRADENTON, FL 34203 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.30% |
| STEVEN VERMETTE INC3 | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.30% |
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 | 141 | 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) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | AETNA HEALTH, INC. | 264 | $2.0M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 148 | $265K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 148 | $265K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 148 | $266K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 148 | $265K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 148 | $265K |
| Prescription drug(4 contracts, 4 carriers) | AETNA HEALTH, INC. | 264 | $2.0M |
| Other(5 contracts, 5 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 148 | $299K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 264 | — |
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.