| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIDELITY INSURANCE AGENCY INC3 Filed as: FIDELITY INSURANCE AGENCY | 500 JIM MORAN BLVD DEERFIELD BEACH, FL 334421723 | UNITEDHEALTHCARE INSURANCE COMPANY | $22K | — | $22K | 4.05% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE - FLORIDA | 6750 N ANDREWS AVE STE 125 FORT LAUDERDALE, FL 333092148 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | $138 | $9K | 1.69% |
| PATRICK HUGH SREENAN3 | 500 JIM MORAN BLVD DEERFIELD BEACH, FL 334421723 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 1.38% |
| GLOWACKI MICHELLE3 | 569 BUCKVIEW LANE ELGIN, GA 29045 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | — | $10K | 30.39% |
| VIENRICH LUIS3 | 559 W TWINCOURT TRAIL SUITE 605 ST AUGUSTINE, FL 32092 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 5.65% |
| FRANZA CHRISTINE M3 | 3939 PALM WAY JACKSONVILLE, FL 32250 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $417 | — | $417 | 1.30% |
| FIDELITY INSURANCE AGENCY INC3 | 500 JIM MORAN BLVD DEERFIELD BEACH, FL 334421723 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 10.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | HARTFORD LIFE AND ACCIDENT | $809 | — | $809 | 5.00% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $1K | — | $1K | 9.98% |
| FIDELITY INSURANCE AGENCY INC3 Filed as: FIDELITY INSURANCE AGENCY | 500 JIM MORAN BLVD FIADF107 DEERFIELD BEACH, FL 33442 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $1K | — | $1K | 7.99% |
| FIDELITY INSURANCE AGENCY INC3 | 500 JIM MORAN BLVD DEERFIELD BEACH, FL 334421723 | TELADOC, INC | $2K | — | $2K | 40.00% |
| FIDELITY INSURANCE AGENCY INC4 | 500 JIM MORAN BLVD DEERFIELD BEACH, FL 33442 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $100 | — | $100 | 27.78% |
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 | 183 | 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) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 183 | $554K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 183 | $550K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 183 | $550K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 36 | $16K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 36 | $16K |
| Other(3 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 118 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.