| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSIGHT BUSINESS & INSURANCE3 Filed as: INSIGHT BUSINESS & INS. SOLUTIONS | 1300 SAWGRASS CORPORATE PARKWAY SUITE 160 SUNRISE, FL 33323 | UNITEDHEALTHCARE INSURANCE COMPANY | $53K | $355K | $408K | 5.35% |
| INSIGHT BUSINESS & INSURANCE3 Filed as: INSIGHT BUSINESS & INS. SOLUTIONS | 1300 SAWGRASS CORPORATE PARKWAY SUITE 160 SUNRISE, FL 33323 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $47K | $0 | $47K | 12.00% |
| DSM FINANCIAL LLC3 Filed as: DSM FINANCIAL | 950 PENINSULA, CORPORATE CIRCLE SUITE 3007 BOCA RATON, FL 33487 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $31K | $0 | $31K | 8.00% |
| HARRIS MANDLER3 | 1 FINANCIAL PLAZA, SUITE 1200 FORT LAUDERDALE, FL 33394 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $30K | $0 | $30K | 15.00% |
| MORFAR STRATEGIES INC3 Filed as: MORFAR STRATEGIES, INC. | 10380 NW 52ND STREET CORAL SPRINGS, NJ 33076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $5K | $14K | 9.90% |
| INSIGHT BUSINESS & INSURANCE3 Filed as: INSIGHT BUSINESS & INS. SOLUTIONS | 1300 SAWGRASS CORPORATE PARKWAY SUNRISE, NJ 33323 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | $1K | $13K | 9.36% |
| PEACOCK FINANCIALS INC3 Filed as: PEACOCK FINANCIALS, INC. | 11830 NW 32ND MANOR SUNRISE, FL 33328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $3K | $5K | 3.85% |
| LISA M RUSSEY3 Filed as: LISA M. RUSSEY | 10380 NW 52ND STREET CORAL SPRINGS, FL 33076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $615 | $3K | 1.97% |
| MARIA D KADALA3 Filed as: MARIA DOLORES KADALA & OTHER AGENTS | 1830 NORTH UNIVERSITY DRIVE PLANTATION, FL 33322 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $130 | $0 | $130 | 0.09% |
| WORLD PRIME SOLUTIONS3 | 7000 NOVA DRIVE, APARTMENT 203 DAVIE, FL 33317 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | $0 | $31 | 0.02% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES, LLC | 100 WOOD AVENUE SOUTH ISELIN, NJ 08830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $0 | $23 | 0.02% |
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 | 1,061 | 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) | 1,061 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,292 | $8.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,292 | $7.6M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,292 | $7.6M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,061 | $200K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 1,292 | $7.6M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,061 | $340K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,292 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.