| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHIRLEY SASTRE SOUTO3 Filed as: SHIRLEY SASTRE SSOUTO | 560 REINANTE AVENUE CORAL GABLES, FL 33156 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19K | $0 | $19K | 0.57% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14K | $0 | $14K | 0.43% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROGRAMS INC | 897 12TH STREET HAMMONTON, NJ 08037 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 0.19% |
| EILEEN SANCHEZ MEDINA3 Filed as: EILEEN SANCHEZ-MEDINA | 6100 SW 44 TERRACE MIAMI, FL 33155 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 0.14% |
| SARA G. LOPEZ3 Filed as: SARA G. LOPEZ AND OTHER AGENTS | 7425 SW 129TH COURT MIAMI, FL 33183 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 0.13% |
| CHRISTOPHER YOST3 | 27-51 CRESCENT STREET, APT 2A ASTORIA, NY 11102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.05% |
| RONALD WEINSTEIN3 | 1330 WEST AVENUE, APT 2911 MIAMI BEACH, FL 33139 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.04% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $109K | $0 | $109K | 20.02% |
| GALLAGHER BENEFIT SERVICES, INC.4 Filed as: GALLAGHER BENEFIT SERVICES INC | 100 MERIDIAN CENTRE BOULEVARD ROCHESTER, NY 14618 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | $0 | $2K | 16.90% |
| PAR-DI SERVICES INC3 | 401 OLD DIXIE HIGHWAY PO BOX 3438 TEQUESTA, FL 33469 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $93 | $93 | 3.00% |
| PAR-DI SERVICES INC3 | 401 OLD DIXIE HIGHWAY PO BOX 3438 TEQUESTA, FL 33469 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $27 | $27 | 2.95% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 1,062 | $542K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 1,062 | $542K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 1,062 | $542K |
| Other(5 contracts, 5 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,062 | $3.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,062 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.