| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CELADINAS AGENCY, INC.3 | 4400 PGA BOULEVARD, SUITE 100 PALM BEACH GARDENS, FL 33410 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $97K | $97K | 5.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 4400 PGA BOULEVARD, SUITE 1000 PALM BEACH GARDENS, FL 33410 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | $0 | $17K | 10.00% |
| THE CELADINAS AGENCY, INC.3 | 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 | 4283 NORTHLAKE BOULEVARD PALM BEACH GARDENS, FL 33410 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $818 | $2K | $3K | 2.94% |
| ROBERT M GLASS CORP3 Filed as: ROBERT M. GLASS CORPORATION | 1600 SOUTH FEDERAL HIGHWAY SUITE 801-D POMPANO BEACH, FL 33063 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.78% |
| SCHUMACHER INS LLC3 Filed as: SCHUMACHER INSURANCE, LLC | 3031 OKEECHOBEE BOULEVARD WEST PLAM BEACH, FL 33409 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.36% |
| FINANCIAL MARKETING ASSOCIATES3 Filed as: FINANCIAL MARKETING ASSOCIATION | 1558 OLD CYPRESS TRAIL WELLINGTON, FL 33414 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $332 | $0 | $332 | 0.49% |
| SCHUMACHER INS LLC3 | 3031 OKEECHOBEE BOULEVARD WEST PALM BEACH, FL 33409 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.38% |
| ROBERT M GLASS CORP3 Filed as: ROBERT M. GLASS CORPORATION | 1600 SOUTH FEDERAL HIGHWAY APARTMENT 401 POMPANO BEACH, FL 33063 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.25% |
| MICHELLE LAMPERT3 | 4611 NORTH FEDERAL HIGHWAY APARTMENT 401 POMPANO BEACH, FL 33063 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.55% |
| MJ INSURANCE3 Filed as: ALAN HANAN AND VARIOUS AGENTS | PO BOX 102528 DENVER, CO 80250 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.50% |
| JEAN LARICE DESPAGNE3 | 10363 SW 24TH STREET MIRAMAR, FL 33025 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $562 | $0 | $562 | 0.87% |
| NESTOR URIBE3 | PO BOX 294082 BOCA RATON, FL 33432 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $505 | $0 | $505 | 0.78% |
| ROBERT M GLASS CORP3 Filed as: ROBERT GLASS | 1600 SOUTH FEDERAL HIGHWAY SUITE 801-D POMPANO BEACH, FL 33062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $461 | $0 | $461 | 0.72% |
| SCHUMACHER INS LLC3 Filed as: SCHUMACHER INSURANCE, LLC | 3031 OKEECHOBEE BOULEVARD WEST PLAM BEACH, FL 33409 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.56% |
| ROBERT M GLASS CORP3 Filed as: ROBERT M. GLASS CORPORATION | 1600 SOUTH FEDERAL HIGHWAY APARTMENT 401 POMPANO BEACH, FL 33063 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.96% |
| MJ INSURANCE3 Filed as: DIEGO ESPANOL AND VARIOUS AGENTS | 6141 SUPERIOR BOULEVARD DAVIE, FL 33331 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $687 | $0 | $687 | 1.45% |
| MICHELLE LAMPERT3 | 4611 NORTH FEDERAL HIGHWAY APARTMENT 401 POMPANO BEACH, FL 33063 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $545 | $0 | $545 | 1.15% |
| KEVIN CHAMBERS3 | 9764 1ST STREET N SAINT PETERSBURG, FL 33702 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $324 | $0 | $324 | 0.68% |
| NESTOR URIBE3 | PO BOX 294082 BOCA RATON, FL 33432 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $208 | $0 | $208 | 0.44% |
| MJ INSURANCE3 Filed as: YVES ROBERT PIERRE | 2536 NW 79TH AVENUE MARGATE, FL 33063 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $191 | $0 | $191 | 0.40% |
| SCHUMACHER INS LLC3 Filed as: SCHUMACHER INSURANCE, LLC | 3031 OKEECHOBEE BOULEVARD WEST PALM BEACH, FL 33409 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.25% |
| ROBERT M GLASS CORP3 Filed as: ROBERT M. GLASS CORP | 1600 SOUTH FEDERAL HIGHWAY SUITE 801-D POMPANO BEACH, FL 33062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.02% |
| MJ INSURANCE3 Filed as: CLIFF BARBALAT AND VARIOUS AGENTS | 3720 NORTHLAKE BOULEVARD LAKE PARK, FL 33403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $923 | $0 | $923 | 2.05% |
| MICHELLE LAMPERT3 | 4611 NORTH FEDERAL HIGHWAY APARTMENT 401 POMPANO BEACH, FL 33063 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $772 | $0 | $772 | 1.72% |
| ALAN HANAN3 | PO BOX 102528 DENVER, CO 80250 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $602 | $0 | $602 | 1.34% |
| JEAN LARICE DESPAGNE3 | 10363 SW 24TH STREET MIRAMAR, FL 33025 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $398 | $0 | $398 | 0.88% |
| 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 | $307 | $0 | $307 | 0.68% |
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 | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 327 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 499 | $1.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 327 | $166K |
| Vision | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 287 | $68K |
| Life insurance(4 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 287 | $224K |
| Short-term disability(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $261K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $104K |
| Other(4 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 287 | $224K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 499 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.