| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 1001 BRICKELL BAY DRIVE SUITE 1000 MIAMI, FL 33131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $1K | $14K | 10.98% |
| AON CONSULTING INC3 | 1001 BRICKELL BAY DRIVE SUITE 1000 MIAMI, FL 33131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $1K | $13K | 10.87% |
| AON CONSULTING INC3 | 1001 BRICKELL BAY DRIVE SUITE 1000 MIAMI, FL 33131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $938 | $12K | 10.85% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - MIAMI | PO BOX 905494 CHARLOTTE, NC 282905494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 15.00% |
| BENEFIT COMMUNICATION GROUP II3 | 2379 NEWBURY COURT WELLINTON, FL 33414 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $638 | — | $638 | 3.25% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: RACHEL SAPOZNIK | 1100 NEW 163RD STREET 2ND FLOOR N MIAMI BEACH, FL 33162 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $195 | — | $195 | 0.99% |
| JAY ALAN WEINGART3 | 2379 NEWBURY COURT WELLINTON, FL 33414 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $175 | — | $175 | 0.89% |
| WORLD INSURANCE ASSOCIATES LLC3 | 656 SHREWSBURY AVENUE SUITE 205 TINTON FALLS, NJ 07701 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $161 | — | $161 | 0.82% |
| TIM E SEWELL3 | PO BOX 850916 YUKON, OK 73085 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.10% |
| AON CONSULTING INC3 | 1001 BRICKELL BAY DRIVE SUITE 1000 MIAMI, FL 33131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $140 | $2K | 10.84% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: RACHEL A SAPOZNIK | 1100 NE 163RD STREET NORTH MIAMI BEACH, FL 33162 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $390 | — | $390 | 4.86% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - MIAMI | PO BOX 905494 CHARLOTTE, NC 28290 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 0.51% |
| PAR-DI SERVICES INC3 | 401 OLD DIXIE HIGHWAY TEQUESTA, FL 33469 | FIRST UNUM LIFE INSURANCE COMPANY | — | $201 | $201 | 3.00% |
| PAR-DI SERVICES INC3 | PO BOX 3438 401 OLD DIX TEQUESTA, FL 33469 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $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 | 872 | 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) | 872 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,002 | $111K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 842 | $124K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 254 | $135K |
| Other(5 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 872 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,002 | — |
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.
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.