| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 11.44% |
| INTEGRATED ENROLLMNT & OTHER AGENTS3 | 3696 NORTH FEDERAL HIGHWAY SUITE 202 FORT LAUDERDALE, FL 33308 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 3.07% |
| FRANK GEORGE RUBIANO3 | 3360 WEST 92ND PLACE HIALEAH, FL 33018 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.76% |
| MICAEL KELLEY PORTER3 | 4000 HOLLYWOOD FLORIDA, SUITE 555-S HOLLYWOOD, FL 33021 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.67% |
| SANDRA VALAZQUEZ3 | 6374 SW 22ND STREET MIAMI, FL 33155 | CONTINENTAL AMERICAN INSURANCE COMPANY | $642 | $0 | $642 | 1.07% |
| RUSSELL SHAYNE FOX3 | 5223 CEADER LAKE ROAD 322 BOYNTON, LA 33437 | CONTINENTAL AMERICAN INSURANCE COMPANY | $600 | $0 | $600 | 1.00% |
| JAVIER L ORTIZ3 Filed as: JAVIER L. ORTIZ | 1600 NE 114 STREET, APARTMENT 101 MIAMI, FL 33181 | CONTINENTAL AMERICAN INSURANCE COMPANY | $517 | $0 | $517 | 0.86% |
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 | 86 | 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) | 86 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 122 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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.