| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CELADINAS AGENCY, INC.3 Filed as: THE CELADINAS AGENCY | 4283 NORTHLAKE BOULEVARD PALM BEACH GARDENS, FL 33410 | HEALTH OPTIONS, INC. | $67K | $0 | $67K | 5.00% |
| THE CELADINAS AGENCY, INC.3 Filed as: THE CELADINAS AGENCY | 4283 NORTHLAKE BOULEVARD PALM BEACH GARDENS, FL 33410 | BLUE CROSS BLUE SHIELD OF FLORIDA | $56K | $0 | $56K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 4400 PGA BOULEVARD SUITE 1000 PALM BEACH GARDENS, FL 33410 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 6.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 4259 NORTHLAKE BOULEVARD PALM BEACH GARDENS, FL 33410 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 3.49% |
| THE CELADINAS AGENCY, INC.3 Filed as: THE CELADINAS AGENCY | 4400 PGA BOULEVARD SUITE 100 PALM BEACH GARDENS, FL 33410 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $0 | $10K | 9.21% |
| THE CELADINAS AGENCY, INC.3 Filed as: THE CELADINAS AGENCY | 4283 NORTHLAKE BOULEVARD PALM BEACH GARDENS, FL 33410 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $552 | $2K | $2K | 2.03% |
| THE CELADINAS AGENCY, INC.3 Filed as: THE CELADINAS AGENCY INC | 4283 NORTHLAKE BOULEVARD PALM BEACH GARDENS, FL 33410 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $266 | $672 | $938 | 0.91% |
| SCHUMACHER INS LLC3 Filed as: SCHUMACHER INSURANCE LLC | 3031 OKEECHOBEE BOULEVARD WEST PALM BEACH, FL 33409 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | $0 | $8K | 9.82% |
| ROBERT M GLASS CORP3 | 1600 SOUTH FEDERAL HIGHWAY SUITE 801D POMPANO BEACH, FL 33409 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 6.16% |
| MJ INSURANCE3 Filed as: ALAN HANAN AND VARIOUS AGENTS | PO BOX 102528 DENVER, CO 80250 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.93% |
| NESTOR URIBE | PO BOX 294082 BOCA RATON, FL 33432 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.16% |
| MICHELLE LAMPERT3 | 4611 NORTH FEDERAL HIGHWAY SUITE 401 POMPANO BEACH, FL 33063 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.93% |
| KEVIN CHAMBERS3 | 9764 FIRST STREET N SAINT PETERSBURG, FL 33702 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.35% |
| FINANCIAL MARKETING ASSOCIATES3 | 1558 OLD CYPRESS TRAIL WELLINGTON, FL 33414 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $858 | $0 | $858 | 1.12% |
| ROBERT M GLASS CORP3 | 1600 SOUTH FEDERAL HIGHWAY SUITE 801 POMPANO BEACH, FL 33062 | AMERICAN HERTIAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 7.90% |
| SCHUMACHER INS LLC3 Filed as: SCHUMACHER INSURANCE LLC | 3031 OKEECHOBEE BOULEVARD WEST PALM BEACH, FL 33409 | AMERICAN HERTIAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.62% |
| FINANCIAL MARKETING ASSOCIATES3 | 1588 OLD CYPRESS TRAIL WELLINGTON, FL 33414 | AMERICAN HERTIAGE LIFE INSURANCE COMPANY | $435 | $0 | $435 | 0.65% |
| SCHUMACHER INS LLC3 Filed as: SCHUMACHER INSURANCE LLC | 3031 OKEECHOBEE BOULEVARD WEST PLAM BEACH, FL 33409 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 9.03% |
| ROBERT M GLASS CORP3 | 1600 SOUTH FEDERAL HIGHWAY SUITE 801D POMPANO BEACH, FL 33062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.53% |
| MICHELLE LAMPERT3 | 4611 NORTH FEDERAL HIGHWAY SUITE 401 POMPANO BEACH, FL 33063 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.72% |
| MJ INSURANCE3 Filed as: RAMON J FRIAS AND VARIOUS AGENTS | 1161 NW 102ND DRIVE CORAL SPRINGS, FL 33071 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.64% |
| NESTOR URIBE3 | PO BOX 294082 BOCA RATON, FL 33432 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.44% |
| KEVIN CHAMBERS3 | 9764 FIRST STREET N SAINT PETERSBURG, FL 33702 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $402 | $0 | $402 | 0.81% |
| FINANCIAL MARKETING ASSOCIATES3 | 1558 OLD CYPRESS TRAIL WELLINGTON, FL 33414 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $388 | $0 | $388 | 0.78% |
| SCHUMACHER INS LLC3 Filed as: SCHUMACHER INSURANCE LLC | 3031 OKEECHOBEE BOULEVARD WEST PALM BEACH, FL 33409 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.44% |
| MJ INSURANCE3 Filed as: CHARLOTTE CRUZ AND VARIOUS AGENTS | 718 DUNBAR, SUITE A BAY SAINT LOUIS, MS 38520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.67% |
| ROBERT M GLASS CORP3 | 1600 SOUTH FEDERAL HIGHWAY SUITE 801D POMPANO BEACH, FL 33062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.45% |
| MICHELLE LAMPERT3 | 4611 NORTH FEDERAL HIGHWAY SUITE 401 POMPANO BEACH, FL 33063 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.33% |
| NESTOR URIBE3 | PO BOX 294082 BOCA RATON, FL 33432 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $697 | $0 | $697 | 1.54% |
| ALAN HANAN3 | PO BOX 102528 DENVER, CO 80250 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $640 | $0 | $640 | 1.41% |
| ROBERT M GLASS CORP3 Filed as: ROBERT M GLASS | 1600 SOUTH FEDERAL HIGHWAY SUITE 801D POMPANO BEACH, FL 33062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $538 | $0 | $538 | 1.19% |
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 | 350 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 345 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 695 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 193 | $2.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 313 | $185K |
| Vision | AMERICAN HERTIAGE LIFE INSURANCE COMPANY | 322 | $67K |
| Life insurance(3 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 71 | $172K |
| Short-term disability(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $226K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $104K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 193 | $2.5M |
| Other(4 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 322 | $239K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 322 | — |
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.