| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RON SELLERS & ASSOCIATES INC3 Filed as: RON SELLERS AND ASSOCIATES | 300 AVENUE OF CHAMPIONS SUITE 240 PALM BEACH GARDENS, FL 33418 | BLUE CROSS BLUE SHIELD OF FLORIDA | $63K | — | $63K | 3.00% |
| RONALD F SELLERS3 | 300 AVENUE OF CHAMPIONS #240 PALM BEACH GARDEN, FL 33418 | CONTINENTAL AMERICAN INSURANCE COMPANY | $61K | — | $61K | 22.95% |
| DAVID R LAUCK3 | 298 CAMELLIA STREET PALM BEACH GARDEN, FL 33410 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | — | $13K | 4.73% |
| ORTS ENTERPRISES INC3 Filed as: ORTS ENTERPRISES, INC | 8350 SANDS POINT BOULEVARD E106 TAMARA, FL 33321 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 2.28% |
| JUAN C SOSA3 | 7875 RED RIVER ROAD WEST PALM BEACH, FL 33411 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 2.17% |
| SHARONA ABADI3 | 1835 NORTHEAST MIAMI GARDENS DRIVE SUITE 335 NORTH MIAMI BEACH, FL 33179 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 2.02% |
| TORRES, MARIA3 | 1785 NORTHWEST 3 STREET MIAMI, FL 33125 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 1.29% |
| GRETSY BLANCHE3 | 28121 SOUTHWEST 133RD PLACE HOMESTEAD, FL 33033 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 1.22% |
| CHRISTINA D HARRIMAN3 | 7400 SN 50 TERRACE #300 MIAMI, FL 33155 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 1.21% |
| NELLY GABRIELA RUIZ3 Filed as: NELLY G RUIZ | 3630 NORTHWEST 20TH STREET COCONUT CREEK, FL 33066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 1.16% |
| ANA GLADYS HIDALGO3 Filed as: ANA G HIDALGO | 841 SOUTHWEST 72ND AVENUE MIAMI, FL 33144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 1.13% |
| ANA MARIA LOPEZ3 Filed as: ANA M LOPEZ | PO BOX 560147 MIAMI, FL 33256 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 0.95% |
| KATLYN S FICKEISSEN3 | PO BOX 631 JUPITER, FL 33468 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.81% |
| MILLIE ESTRONZA3 | 6704 RALEIGH STREET HOLLYWOOD, FL 33024 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.79% |
| SARA G. LOPEZ3 Filed as: SARA G LOPEZ | 7425 SOUTHWEST 129TH COURT MIAMI, FL 33183 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.70% |
| ELAINE E. FUELLO3 Filed as: ELAINE FUELLO | 10145 SUNRISE LAKES BOULEVARD APARTMENT 303 SUNRISE, FL 33322 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.63% |
| SOLON E ARGUELLO3 | 5088 SOUTHWEST 170TH AVENUE MIRAMAR, FL 33027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.54% |
| DENNIS NIEVES LOPEZ3 Filed as: DENNIS F NIEVES LOPEZ | 1500 NORTHEAST 136TH STREET APARTMENT 2 NORTH MIAMI, FL 33161 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.46% |
| SUE EUSEPI AND ASSOC INC3 Filed as: SUE EUSEPI AND ASSOCIATES INC | PO BOX 631 JUPITER, FL 33468 | CONTINENTAL AMERICAN INSURANCE COMPANY | $847 | — | $847 | 0.32% |
| LUZ ELENA SERVI3 Filed as: LUZ E SERVI | 2349 SALEROSO DRIVE ROWLAND HEIGHTS, CA 91748 | CONTINENTAL AMERICAN INSURANCE COMPANY | $777 | — | $777 | 0.29% |
| ARASAY LOPEZ3 | 17000 NORTHWEST 89TH AVENUE HIALEAH, FL 33018 | CONTINENTAL AMERICAN INSURANCE COMPANY | $468 | — | $468 | 0.18% |
| MARIA ORTIZ3 Filed as: MARIA GADEA | 4385 NORTHWEST 116TH AVENUE DORA, FL 33178 | CONTINENTAL AMERICAN INSURANCE COMPANY | $419 | — | $419 | 0.16% |
| RON SELLERS & ASSOCIATES INC3 Filed as: RON SELLERS & ASSOCIATES | 300 AVENUE OF THE CHAMPIONS SUITE 240 PALM BEACH GARDENS, FL 33418 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 15.00% |
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 | 939 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 62 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,003 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 939 | $2.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 578 | $99K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 939 | $2.1M |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 785 | $267K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 939 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.