| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | HEALTH OPTIONS | $38K | $0 | $38K | 3.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | BLUE CROSS BLUE SHIELD OF FLORIDA | $20K | — | $20K | 5.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 300 SE 2ND STREET, SUITE 740 FT LAUDERDALE, FL 33301 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $107 | $14K | 7.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60690 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.42% |
| TOMORROWS SOLUTION INC3 | 2841 NE 55TH PLACE FORT LAUDERDALE, FL 33308 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.61% |
| PALEN INSURANCE CORPORATION3 Filed as: PALEN INSURANCE CORP | 3301 NORTH UNIVERSITY DRIVE SUITE 100-1101 CORAL SPRINGS, FL 33065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.18% |
| MAURICE CHARLES3 | 4801 MCKINLEY STREET HOLLYWOOD, FL 33021 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $108 | $0 | $108 | 0.33% |
| MINI ESPEJO EDGARDO JESUS3 | 4679 SW 154TH COURT MIAMI, FL 33185 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $89 | $0 | $89 | 0.27% |
| AMERICAN INSURANCE PLUS LLC3 Filed as: AMERICAN INSURANCE PLUS, LLC | 8131 BAUTISTA WAY PALM BEACH GARDENS, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28 | $0 | $28 | 0.09% |
| GRANT KARL3 | 2266 SW IMPORT DRIVE PORT SAINT LUCIE, FL 34953 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | $0 | $12 | 0.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 9.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MDWS, IL 60008 | HUMANA INSURANCE COMPANY | — | $241 | $241 | 1.92% |
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 | 147 | 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) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 85 | $1.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 345 | $177K |
| Vision | HUMANA INSURANCE COMPANY | 106 | $13K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 345 | $177K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 345 | $177K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 345 | $177K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 85 | $1.5M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 345 | $209K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 345 | — |
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.