| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CELEDINAS INSURANCE GROUP3 Filed as: THE CELEDINAS AGENCY, INC. | 4283 NORTHLAKE BOULEVARD PALM BEACH GARDENS, FL 33410 | HEALTH OPTIONS, INC. | $61K | — | $61K | 5.00% |
| CELEDINAS INSURANCE GROUP3 Filed as: THE CELEDINAS AGENCY, INC. | 4283 NORTHLAKE BOULEVARD PALM BEACH GARDENS, FL 33410 | BLUE CROSS BLUE SHIELD OF FLORIDA | $46K | — | $46K | 5.00% |
| SCHUMACHER INS LLC3 Filed as: SCHUMACHER INSURANCE, LLC | 3031 OKEECHOBEE BOULEVARD WEST PALM BEACH, FL 33409 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19K | — | $19K | 8.67% |
| ROBERT M GLASS CORP3 Filed as: ROBERT M. GLASS | 1600 SOUTH FEDERAL HIGHWAY SUITE 801-D POMPANO BEACH, FL 33062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16K | — | $16K | 7.63% |
| MJ INSURANCE3 Filed as: CLIFF BARBALAT AND VARIOUS AGENTS | 3720 NORTHLAKE BOULEVARD LAKE PARK, FL 33403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 3.03% |
| MJ INSURANCE3 Filed as: YVES ROBERT PIERRE | 15582536NW79THAVENUE, SUITE G OTMOND BEACH, FL 32174 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 1.82% |
| MICHELLE LAMPERT3 | 4451 NORTH FEDERAL HIGHWAY APARTMENT 208 POMPANO BEACH, FL 33064 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 1.68% |
| ALAN HANAN3 | PO BOX 102528 DENVER, CO 80250 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 1.67% |
| KEVIN CHAMBERS3 | 9764 1ST STREET SAINT PETERSBURG, FL 33702 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 1.36% |
| CELEDINAS INSURANCE GROUP3 Filed as: THE CELEDINAS AGENCY, INC. | 4259 NORTHLAKE BOULEVARD PALM BEACH GARDENS, FL 33410 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 10.00% |
| ASSUREX3 Filed as: ASSUREX AGENCY, INC. | 175 SOUTH THIRD STREET, SUITE 800 COLUMBUS, OH 43215 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $240 | — | $240 | 0.16% |
| CELEDINAS INSURANCE GROUP3 Filed as: THE CELEDINAS AGENCY, INC. | 4283 NORTHLAKE BOULEVARD PALM BEACH GARDENS, FL 33410 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
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 | 327 | 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) | 329 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HEALTH OPTIONS, INC. | 309 | $2.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 271 | $146K |
| Vision | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 309 | $215K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $84K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $84K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 185 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 309 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.