| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2081 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 14.46% |
| MJ INSURANCE3 Filed as: JEAN M. SMITH AND VARIOUS AGENTS | 3409 LOWSON BOULEVARD DELRAY BEACH, FL 33445 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 6.64% |
| RUSSELL SHAYNE FOX3 | 5241 CEDAR LAKE ROAD, SUITE 434 BOYNTON BEACH, FL 33437 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 3.04% |
| MOLLY JENNIFER MENDEZ3 | 2955 NW 95TH STREET MIAMI, FL 33147 | CONTINENTAL AMERICAN INSURANCE COMPANY | $922 | $0 | $922 | 2.00% |
| MICHAEL K PORTER3 Filed as: MICHAEL KELLEY PORTER | 5881 TOWN BAY DRIVE, SUITE 916 BOCA RATON, FL 33486 | CONTINENTAL AMERICAN INSURANCE COMPANY | $914 | $0 | $914 | 1.98% |
| JAVIER L ORTIZ3 Filed as: JAVIER L. ORTIZ | 1600 NE 114TH STREET, SUITE 101 MIAMI, FL 33181 | CONTINENTAL AMERICAN INSURANCE COMPANY | $715 | $0 | $715 | 1.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8561 EAST AVENUE MENTOR, OH 44060 | CONTINENTAL AMERICAN INSURANCE COMPANY | $65 | $0 | $65 | 0.14% |
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 | 92 | 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) | 92 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 129 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 129 | — |
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.