| 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 | $2K | $0 | $2K | 7.27% |
| RUSSELL SHAYNE FOX3 Filed as: RUSSELL S. FOX | 5241 CEDAR LAKE ROAD, SUITE 434 BOYNTON BEACH, FL 33437 | CONTINENTAL AMERICAN INSURANCE COMPANY | $976 | $0 | $976 | 3.07% |
| MJ INSURANCE3 Filed as: GEORGE S. COOKE AND VARIOUS AGENTS | 2832 NE 17TH AVENUE WILTON MANORS, FL 33334 | CONTINENTAL AMERICAN INSURANCE COMPANY | $808 | $0 | $808 | 2.54% |
| ANA GABRIELA ORDAZ LARA3 Filed as: ANA O LARA | 931 SW 178TH WAY PEMBROKE PINES, FL 33029 | CONTINENTAL AMERICAN INSURANCE COMPANY | $504 | $0 | $504 | 1.59% |
| T AND TECH. INTEGRATED ENROLLMENT3 | 2696 NORTH FEDERAL HIGHWAY, SUITE 2 SUITE 202 FORT LAUDERDALE, FL 33308 | CONTINENTAL AMERICAN INSURANCE COMPANY | $226 | $0 | $226 | 0.71% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8561 EAST AVENUE MENTOR, OH 44060 | CONTINENTAL AMERICAN INSURANCE COMPANY | $158 | $0 | $158 | 0.50% |
| RUMIL CORPORATION3 | 15957 SW 16TH STREET PEMBROKE PINES, FL 33027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $132 | $0 | $132 | 0.42% |
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 | 91 | 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) | 91 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 147 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.