| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEMINOLE PRODUCT DISTRIBUTORS INC3 | 3011 NW 63RD AVENUE HOLLYWOOD, FL 33024 | TRANSAMERICA LIFE INSURANCE COMPANY | $402K | $0 | $402K | 17.18% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34, BUILDING C 2 MANASQUAN, NJ 08736 | TRANSAMERICA LIFE INSURANCE COMPANY | $221K | $0 | $221K | 9.42% |
| SYNERGISTIC HEALTHCARE SOLUTIONS3 | 14 MARSHALL DRIVE EGG HARBOR TOWNSHIP, NJ 08234 | TRANSAMERICA LIFE INSURANCE COMPANY | $43 | $0 | $43 | 0.00% |
| SEMINOLE PRODUCT DISTRIBUTORS INC3 | 3011 NW 63RD AVENUE HOLLYWOOD, FL 33024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29K | $0 | $29K | 2.19% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34, BUILDING C 2 MANASQUAN, NJ 08736 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $0 | $19K | 1.49% |
| SEMINOLE PRODUCT DISTRIBUTORS INC3 | 3011 NW 63RD AVENUE HOLLYWOOD, FL 33024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $77K | $0 | $77K | 6.64% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34, BUILDING C 2 MANASQUAN, NJ 08736 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $53K | $0 | $53K | 4.60% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34, BUILDING C 2 MANASQUAN, NJ 08736 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $16K | $0 | $16K | 2.58% |
| SEMINOLE PRODUCT DISTRIBUTORS INC3 | 3011 NW 63RD AVENUE HOLLYWOOD, FL 33024 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $16K | $0 | $16K | 2.58% |
| SEMINOLE PRODUCT DISTRIBUTORS INC3 | 3011 NW 63RD AVENUE HOLLYWOOD, FL 33024 | METLIFE LEGAL PLANS OF FLORIDA | $10K | $0 | $10K | 10.84% |
| WINSTON FINANCIAL SERVICES3 | 300 N. BEACH STREET DAYTONA BEACH, FL 32114 | METLIFE LEGAL PLANS OF FLORIDA | $3K | $0 | $3K | 3.15% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 220 SOUTH RIDGEWOOD AVENUE DAYTONA BEACH, FL 32114 | METLIFE LEGAL PLANS OF FLORIDA | $0 | $1K | $1K | 1.22% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34, BUILDING C 2 MANASQUAN, NJ 08736 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.73% |
| SEMINOLE PRODUCT DISTRIBUTORS INC3 | 3011 NW 63RD AVENUE HOLLYWOOD, FL 33024 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.73% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34, BUILDING C 2 MANASQUAN, NJ 08736 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $36 | $0 | $36 | 3.54% |
| SEMINOLE PRODUCT DISTRIBUTORS INC3 | 3011 NW 63RD AVENUE HOLLYWOOD, FL 33024 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $36 | $0 | $36 | 3.54% |
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 | 8,302 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,321 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 5,642 | $2.5M |
| Vision | VISION SERVICE PLAN | 4,853 | $337K |
| Life insurance(4 contracts, 3 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 9,526 | $3.7M |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 9,526 | $2.5M |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 9,526 | $2.5M |
| Other(5 contracts, 5 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 9,526 | $4.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,526 | — |
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.