| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MHG SERVICES INC3 | 1600 SE 17TH STREET, SUITE 410 FORT LAUDERDALE, FL 33316 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $22K | $25K | 1.67% |
| MARK EDWARD PARTNERS LLC3 | 505 PARK AVENUE NEW YORK, NY 10022 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $19K | $20K | 1.31% |
| THE SOUTHERN REGION LLC3 | 6151 LAKE OSPREY DRIVE, 3RD FLOOR SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $8K | — | $8K | 9.60% |
| MARK EDWARD PARTNERS LLC3 | 440 ROYAL PALM WAY, SUITE 200 PALM BEACH, FL 33480 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $4K | — | $4K | 4.17% |
| MHG SERVICES INC3 | 1600 SE 17TH STREET, SUITE 410 FORT LAUDERDALE, FL 33312 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | — | $3K | 3.44% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SOMEYA GROUP RISK MANAGEMENT | 21118 NE 16TH AVENUE WILTON MANORS, FL 33305 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $58 | — | $58 | 0.07% |
| HOWARD HOROWITZ3 | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL | $454 | $151 | $605 | 5.66% |
| THEODORE JAMES MCGONIGAL3 | 7451 SOUTH ARAGON BOULEVARD SUNRISE, FL 33313 | COLONIAL | $411 | $6 | $417 | 3.90% |
| CRYSTAL IBC LLC3 Filed as: CRYSTAL AND OTHER AGENTS | 2 ALHAMBRA PLAZA, SUITE 102 CORAL GABLES, FL 33134 | COLONIAL | $114 | $13 | $127 | 1.19% |
| FRANK CRYSTAL & CO INC3 Filed as: FRANK CRYSTAL & COMPANY OF FLORIDA | 2 ALHAMBRA PLAZA, SUITE 102 CORAL GABLES, FL 33134 | COLONIAL | $78 | — | $78 | 0.73% |
| PARRISH J PEACHEE3 | 201 WEST 03RD STREET INDIANAPOLIS, IN 46290 | COLONIAL | $51 | $13 | $64 | 0.60% |
| ESQUEN INSURANCE GROUP CORP3 | 14552 SW 152ND PLACE MIAMI, FL 33196 | COLONIAL | $47 | $12 | $59 | 0.55% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES, INC. | 2015 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL | $50 | — | $50 | 0.47% |
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 | 297 | 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) | 297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 297 | $1.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 297 | $1.5M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 297 | $1.5M |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 297 | $1.6M |
| Other | COLONIAL | 20 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.