| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| J.M. BERENGUER & ASSOCIATES INC | 104 CRANDON BLVD SUITE 309 KEY BISCAYNE, FL 33149 | HUMANA MEDICAL PLAN, INC. | $75K | — | $75K | 3.97% |
| JUAN F. BEREGUER | 6450 SW 126TH STREET RD PINECREST, FL 33156 | HUMANA MEDICAL PLAN, INC. | — | $7K | $7K | 0.38% |
| J.M. BERENGUER & ASSOCIATES INC | 104 CRANDON BLVD SUITE 309 KEY BISCAYNE, FL 33149 | HUMANA MEDICAL PLAN, INC. | — | $420 | $420 | 0.02% |
| J.M. BERENGUER & ASSOCIATES INC Filed as: BERENGUER GROUP | 104 CRANDON BLVD SUITE 309 KEY BISCAYNE, FL 33149 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $40K | — | $40K | 12.01% |
| THE SOUTHERN REGION LLC Filed as: THE SOUTHERN REGION | 7313 MERCHANT CT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $17K | — | $17K | 5.00% |
| J.M. BERENGUER & ASSOCIATES INC | 104 CRANDON BLVD SUITE 309 KEY BISCAYNE, FL 33149 | HUMANA INSURANCE COMPANY | $16K | — | $16K | 10.00% |
| J.M. BERENGUER & ASSOCIATES INC | 104 CRANDON BLVD SUITE 309 KEY BISCAYNE, FL 33149 | HUMANA INSURANCE COMPANY | — | $1K | $1K | 0.81% |
| FMLASOURCE INC5 | 455 N CITYFRONT PLAZA DRIVE 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 9.53% |
| BERENGUER GROUP BENEFITS3 | 104 CRANDON BLVD STE 309 KEY BISCAYNE, FL 33149 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.00% |
| BERENGUER GROUP BENEFITS3 | 104 CRANDON BLVD SUITE 309 KEY BISCAYNE, FL 33149 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $984 | $984 | 1.45% |
| J.M. BERENGUER & ASSOCIATES INC | 104 CRANDON BLVD SUITE 309 KEY BISCAYNE, FL 33149 | HUMANA INSURANCE COMPANY | $4K | — | $4K | 9.75% |
| J.M. BERENGUER & ASSOCIATES INC | 104 CRANDON BLVD SUITE 309 KEY BISCAYNE, FL 33149 | HUMANA INSURANCE COMPANY | — | $566 | $566 | 1.23% |
| BERENGUER GROUP BENEFITS3 | 104 CRANDON BLVD STE 309 KEY BISCAYNE, FL 33149 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 6.00% |
| BERENGUER GROUP BENEFITS3 | 104 CRANDON BLVD STE 309 KEY BISCAYNE, FL 33149 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $569 | $569 | 1.46% |
| BERENGUER GROUP BENEFITS3 | 104 CRANDON BLVD SUITE 309 KEY BISCAYNE, FL 33149 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 9.00% |
| BERENGUER GROUP BENEFITS3 | 104 CRANDON BLVD SUITE 309 KEY BISCAYNE, FL 33149 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $464 | $464 | 1.48% |
| BERENGUER GROUP BENEFITS3 | 104 CRANDON BLVD SUITE 309 KEY BISCAYNE, FL 33149 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 9.00% |
| BERENGUER GROUP BENEFITS3 | 104 CRANDON BLVD SUITE 309 KEY BISCAYNE, FL 33149 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $469 | $469 | 1.64% |
| BERENGUER GROUP BENEFITS3 | 104 CRANDON BLVD STE 309 KEY BISCAYNE, FL 33149 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 16.00% |
| BERENGUER GROUP BENEFITS3 | 104 CRANDON BLVD SUITE 309 KEY BISCAYNE, FL 33149 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $307 | $307 | 1.32% |
| J.M. BERENGUER & ASSOCIATES INC | 104 CRANDON BLVD SUITE 309 KEY BISCAYNE, FL 33149 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 9.92% |
| J.M. BERENGUER & ASSOCIATES INC | 104 CRANDON BLVD SUITE 309 KEY BISCAYNE, FL 33149 | HUMANA INSURANCE COMPANY | — | $225 | $225 | 0.99% |
| J.M. BERENGUER & ASSOCIATES INC | 104 CRANDON BLVD SUITE 309 KEY BISCAYNE, FL 33149 | COMPBENEFITS COMPANY | $987 | — | $987 | 10.01% |
| J.M. BERENGUER & ASSOCIATES INC | 104 CRANDON BLVD KEY BISCAYNE, FL 33149 | COMPBENEFITS COMPANY | — | $283 | $283 | 2.87% |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA MEDICAL PLAN, INC. | 237 | $1.9M |
| Dental(4 contracts, 3 carriers) | HUMANA MEDICAL PLAN, INC. | 237 | $2.1M |
| Vision | HUMANA INSURANCE COMPANY | 206 | $23K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 316 | $60K |
| Short-term disability(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 316 | $123K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 316 | $39K |
| Stop-loss / reinsurancereinsurance | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 180 | $337K |
| Other(6 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 316 | $339K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316 | — |
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."
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.