| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SELDEN BEATTIE, INC.3 | 3150 SW 38TH AVENUE, 8TH FLOOR CORAL GABLES, FL 33416 | TRUSTMARK INSURANCE COMPANY | $130K | $0 | $130K | 9.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 800 CAPITAL CIRCLE SE, UNIT 2 TALLAHASSEE, FL 32301 | TRUSTMARK INSURANCE COMPANY | $126K | $0 | $126K | 9.02% |
| SELDEN BEATTIE, INC.3 | 3150 SW 38TH AVENUE, SUITE 901 CORAL GABLES, FL 33416 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $172K | $6K | $178K | 14.96% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 NORTH KIRKWOOD ROAD, SUITE 300 ST. LOUIS, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $96K | $96K | 8.05% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 | 7416 MONIKA MANOR DRIVE TAMPA, FL 33625 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $29K | $29K | 2.45% |
| SELDEN BEATTIE, INC.3 | 3150 SW 38TH AVENUE, SUITE 901 CORAL GABLES, FL 33416 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $81K | $0 | $81K | 15.00% |
| SELDEN BEATTIE, INC.3 | 3150 MIAMI GREEN WAY, 9TH FLOOR CORAL GABLES, FL 33416 | BLUE CROSS BLUE SHIELD OF FLORIDA | $27K | $0 | $27K | 5.00% |
| SELDEN BEATTIE, INC.3 | 3150 SW 38TH AVENUE, SUITE 901 CORAL GABLES, FL 33416 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $33K | $0 | $33K | 8.97% |
| DSM FINANCIAL LLC3 Filed as: DSM FINANCIAL, LLC | 950 PENINSULA CORPORATE CIRCLE SUITE 1005 BOCA RATON, FL 33487 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $29K | $0 | $29K | 7.99% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SRASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $15K | $0 | $15K | 3.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $78 | $0 | $78 | 0.02% |
| DSM FINANCIAL LLC3 Filed as: DSM FINANCIAL, LLC | 950 PENINSULA CORPORATE CIRCLE SUITE 1005 BOCA RATON, FL 33487 | BEAZLEY INSURANCE COMPANY INC | $21K | $0 | $21K | 8.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 800 CAPITAL CIRCLE SE, UNIT 2 TALLAHASSEE, FL 32301 | BEAZLEY INSURANCE COMPANY INC | $20K | $0 | $20K | 7.80% |
| SELDEN BEATTIE, INC.3 | 3150 SW 38TH AVENUE, SUITE 901 CORAL GABLES, FL 33416 | BEAZLEY INSURANCE COMPANY INC | $11K | $0 | $11K | 4.20% |
| SELDEN BEATTIE, INC.3 | 3150 MIAMI GREEN WAY, 9TH FLOOR CORAL GABLES, FL 33416 | HEALTH OPTIONS, INC. | $7K | $0 | $7K | 5.00% |
| SELDEN BEATTIE, INC.3 | 3150 SW 38TH AVENUE, SUITE 901 CORAL GABLES, FL 33416 | PREFERRED LEGAL PLAN | $4K | $0 | $4K | 21.42% |
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 | 1,268 | 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) | 1,268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 1,268 | $1.0M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 812 | $1.2M |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 812 | $1.2M |
| Life insurance(2 contracts, 2 carriers) | TRUSTMARK INSURANCE COMPANY | 957 | $2.6M |
| Short-term disability | TRUSTMARK INSURANCE COMPANY | 957 | $1.4M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 208 | $541K |
| Prescription drug | HEALTH OPTIONS, INC. | 20 | $144K |
| Other(4 contracts, 4 carriers) | TRUSTMARK INSURANCE COMPANY | 957 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,268 | — |
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.