| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| J.M. BERENGUER & ASSOCIATES INC3 Filed as: J.M. BERENGUER AND ASSOCIATES | 104 CRANDON BOULEVARD, SUITE 309 KEY BISCAYNE, FL 33149 | UNITEDHEALTHCARE INSURANCE COMPANY | $32K | $45K | $77K | 3.04% |
| J.M. BERENGUER & ASSOCIATES INC3 Filed as: THE BERENGUER GROUP | 104 CRANDON BLVD SUITE 309 KEY BISCANE, FL 33149 | TRANSAMERICA INSURANCE CO. | $67K | $0 | $67K | 13.90% |
| AMWINS3 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. | $24K | $0 | $24K | 4.98% |
| WEBTPA EMPLOYER SERVICES LLC3 Filed as: WEBTPA | 8500 FREEPORT PARKWAY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO. | $19K | $0 | $19K | 3.87% |
| EXCELSIOR BENEFITS LLC3 Filed as: EXCELSIOR BENEFITS | 23505 SMITHTOWN ROAD SUITE 200 EXCELSIOR, MN 55331 | TRANSAMERICA INSURANCE CO. | $12K | $0 | $12K | 2.53% |
| IMPACT INTERACTIVE LLC3 Filed as: IMPACT INTERACTIVE | PO BOX 603188 CHARLOTTE, NC 28260 | TRANSAMERICA INSURANCE CO. | $5K | $0 | $5K | 1.11% |
| ACRISURE LLC3 | DBA THE BERENGUER GROUP KEY BISCAYNE, FL 33146 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17K | $226 | $17K | 9.64% |
| B & B INSURANCE SOLUTIONS INC3 | 12002 SW 128TH CT MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | $5K | $17K | 9.30% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS & ASSOC INC | 1100 NE 163RD STREET N MIAMI BEACH, FL 33162 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $65 | $7K | 3.84% |
| ANDREA BROWNING3 | 145 19TH AVE SE ST PETERSBURG, FL 33705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $751 | $4K | 2.09% |
| MJ INSURANCE3 Filed as: ELIZABETH SANGUILY & VARIOUS AGENTS | 8421 SOUTHWEST 124TH AVE MIAMI, FL 33183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $68 | $3K | 1.55% |
| BRITO BENEFITS SOLUTIONS INC3 Filed as: BRITO BENEFITS SOLUTIONS | 14716 SOUTHWEST 112 TER MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $486 | $2K | 1.02% |
| ESSENTIAL BENEFITS LLC3 | 8421 SW 124 AVE MIAMI, FL 33183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $44 | $2K | 0.92% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DRIVE SE CALEDONIA, MI 49316 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $0 | $15K | 12.95% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AND ASSOCIATES | 1100 NE 163RD ST NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 4.39% |
| BERENGUER GROUP BENEFITS3 | 12651 S DIXIE HWY STE 209 PINECREST, FL 33156 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.05% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $0 | $14K | 12.39% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AND ASSOCIATES | 1100 NE 163RD ST NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 4.17% |
| BERENGUER GROUP BENEFITS3 | 12651 S DIXIE HWY, STE 209 PINECREST, FL 33156 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.61% |
| ACRISURE LLC3 | 5664 PRARIE CREEK DR SE CALEDONIA, MI 49316 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 10.44% |
| BERENGUER GROUP BENEFITS3 | 12651 S DIXIE HWY, STE 209 PINECREST, FL 33156 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.56% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AND ASSOCIATES | 1100 NE 163RD ST NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 3.94% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.79% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AND ASSOCIATES | 1100 NE 163RD STREET NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $939 | $939 | 4.01% |
| BERENGUER GROUP BENEFITS3 | 12651 S DIXIE HWY STE 209 PINECREST, FL 33156 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $753 | $0 | $753 | 3.21% |
| JIM BERENGUER & ASSOCIATION3 | 104 CRANDON BLVD, STE 309 KEY BISCAYNE, FL 33149 | METLIFE LEGAL PLANS | $781 | $0 | $781 | 9.75% |
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 | 746 | 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) | 746 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 764 | $3.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 764 | $2.5M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 764 | $2.5M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 690 | $105K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 316 | $115K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 198 | $116K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 764 | $2.5M |
| Other(4 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 690 | $292K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 764 | — |
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.