| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CELEDINAS INSURANCE GROUP3 | 4283 NORTHLAKE BOULEVARD PALM BEACH GARDENS, FL 33410 | COVENTRY HEALTH CARE OF FLORIDA, INC. | $52K | — | $52K | 4.99% |
| CELEDINAS INSURANCE GROUP3 | 4283 NORTHLAKE BOULEVARD PALM BEACH GARDENS, FL 33410 | COVENTRY HEALTH AND LIFE | $8K | — | $8K | 5.00% |
| SCHUMACHER INS LLC3 Filed as: SCHUMACHER INSURANCE, LLC | 3031 OKEECHOBEE BOULEVARD WEST PALM BEACH, FL 33409 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | — | $11K | 10.60% |
| ALAN HANAN3 | PO BOX 102528 DENVER, CO 80250 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | — | $9K | 8.58% |
| ROBERT M GLASS CORP3 Filed as: ROBERT M. GLASS CORP | 1600 SOUTH FEDERAL HIGHWAY SUITE 108-D POMPANO BEACH, FL 33062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 7.77% |
| FINANCIAL MARKENTING ASSOC.3 | 1558 OLD CYPRESS TR WELLINGTON, FL 33414 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 1.37% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE R. SANTA CRUZ | 718 DUNBAR AVENUE, SUITE 3A BAY SAINT LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $852 | — | $852 | 0.79% |
| MJ INSURANCE3 Filed as: YVES R. PIERRE AND VARIOUS AGENTS | 2536 NW 79TH AVENUE SUITE G OMOND BEACH, FL 32174 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $480 | — | $480 | 0.44% |
| DIEGO ESPAGNOL3 | 6141 SUPERIOR BOULEVARD DAVIE, FL 33331 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $258 | — | $258 | 0.24% |
| CELEDINAS INSURANCE GROUP3 | 4259 NORTHLAKE BOULEVARD PALM BEACH GARDENS, FL 33410 | AETNA LIFE INSURANCE COMPANY | $10K | $792 | $11K | 10.78% |
| CELEDINAS INSURANCE GROUP3 | 4283 NORTHLAKE BOULEVARD PALM BEACH GRADENS, FL 33410 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | — | $12K | 14.82% |
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 | 183 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | COVENTRY HEALTH CARE OF FLORIDA, INC. | 305 | $1.3M |
| Dental | AETNA LIFE INSURANCE COMPANY | 261 | $98K |
| Vision | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 305 | $108K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 59 | $83K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 59 | $83K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 59 | $83K |
| Prescription drug(2 contracts, 2 carriers) | COVENTRY HEALTH CARE OF FLORIDA, INC. | 231 | $1.2M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 59 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 305 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.