| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| J.M. BERENGUER & ASSOCIATES INC3 | 104 CRANDON BLVD SUITE 309 KEY BISCAYNE, FL 33149 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $63K | $63K | 5.98% |
| J.M. BERENGUER & ASSOCIATES INC3 Filed as: THE BERENGUER GROUP | 104 CRANDON BLVD STE 309 KEY BISCAYNE, FL 33149 | TRANSAMERICA INSURANCE CO. | $27K | — | $27K | 14.31% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS | 50 WHITECAP DRIVE KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. | — | $11K | $11K | 5.90% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO. | — | $6K | $6K | 3.01% |
| EXCELSIOR BENEFITS LLC3 | 441 2ND STREET EXCELSIOR, MN 55331 | TRANSAMERICA INSURANCE CO. | $4K | — | $4K | 1.96% |
| ACRISURE LLC | 104 CRANDON BLVD STE 309 KEY BISCAYNE, FL 33149 | SOLSTICE BENEFITS, INC | $14K | — | $14K | 10.00% |
| FMLASOURCE INC5 | 455 N CITYFRONT PLAZA DRIVE 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 11.19% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 6.65% |
| BERENGUER GROUP BENEFITS3 | 12651 S DIXIE HWY SUITE 209 PINECREST, FL 33156 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $108 | — | $108 | 0.21% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 6.57% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 5.39% |
| J.M. BERENGUER & ASSOCIATES INC3 Filed as: THE BERENGUER GROUP | 12651 S DIXIE HWY SUITE 209 PINECREST, FL 33156 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $170 | — | $170 | 0.60% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 8.12% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR SE CALEDONIA, FL 49316 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 6.23% |
| BERENGUER GROUP BENEFITS3 | 12651 S DIXIE HWY SUITE 209 PINECREST, FL 33156 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $238 | — | $238 | 0.89% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 8.15% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR SE CALEDONIA, FL 49316 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 6.53% |
| BERENGUER GROUP BENEFITS3 | 12651 S DIXIE HWY SUITE 209 PINECREST, FL 33156 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $184 | — | $184 | 0.85% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR SE CALEDONIA, FL 49316 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 14.53% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 6.35% |
| BERENGUER GROUP BENEFITS3 | 12651 S DIXIE HWY SUITE 209 PINECREST, FL 33156 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $303 | — | $303 | 1.47% |
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 | 219 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 272 | $1.1M |
| Dental | SOLSTICE BENEFITS, INC | 293 | $136K |
| Vision | SOLSTICE BENEFITS, INC | 293 | $136K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 173 | $22K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 173 | $72K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 173 | $55K |
| Stop-loss / reinsurancereinsurance | TRANSAMERICA INSURANCE CO. | 148 | $192K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 173 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 293 | — |
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.
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.