| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAPTIVE INSURANCE SERVICES3 | 800 CORPORATE DRIVE, SUITE 600 FORT LAUDERDALE, FL 33334 | HEALTH OPTIONS, INC | $180K | $0 | $180K | 4.00% |
| CAPTIVE INSURANCE SERVICES3 | 800 CORPORATE DRIVE, SUITE 600 FORT LAUDERDALE, FL 33334 | BLUE CROSS BLUE SHIELD OF FLORIDA | $38K | $0 | $38K | 4.00% |
| CAPTIVE INSURANCE SERVICES3 | 1300 SAWGRASS CORPORATE PARKWAY SUNRISE, FL 33323 | AETNA LIFE INSURANCE COMPANY | $15K | $0 | $15K | 4.99% |
| CAPTIVE INSURANCE SERVICES3 | UNKNOWN FORT LAUDERDALE, FL 33334 | AETNA LIFE INSURANCE COMPANY | $13K | -$172 | $13K | 4.07% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | UNKNOWN ATLANTA, GA 30374 | AETNA LIFE INSURANCE COMPANY | $2K | $566 | $2K | 0.79% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | AETNA LIFE INSURANCE COMPANY | -$186 | $0 | -$186 | -0.06% |
| CAPTIVE INSURANCE SERVICES3 | 800 CORPORATE DRIVE, SUITE 600 FORT LAUDERDALE, FL 33334 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38K | $0 | $38K | 20.18% |
| MORFAR STRATEGIES INC3 | 6990 GRIFFIN ROAD DAVIE, FL 33314 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $19K | $28K | 14.86% |
| MJ INSURANCE3 Filed as: MATTHEW LEGGETT AND VARIOUS AGENTS | 3040 ROSEWOOD COURT DAVIE, FL 33328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21K | $4K | $26K | 13.45% |
| PEACOCK FINANCIALS INC3 | 11830 NW 32ND MANOR SUNRISE, FL 33323 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $14K | $23K | 11.86% |
| LISA M RUSSEY3 Filed as: LISA M. RUSSEY | 6990 GRIFFIN ROAD DAVIE, FL 33314 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $4K | $12K | 6.13% |
| MARIELENA HERRERA3 | 10920 NW 67TH STREET DORAL, FL 33178 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $2K | $5K | 2.80% |
| JOSE H MUNGARRIETA3 Filed as: JOSE H. MUNGARRIETA | 10920 NW 67TH STREET DORAL, FL 33178 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $5K | 2.56% |
| DAVID A. SCHWAB3 | 1 FINANCIAL PLAZA, SUITE 1200 FORT LAUDERDALE, FL 33394 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | $0 | $17K | 15.00% |
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 | 993 | 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) | 993 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC | 434 | $5.4M |
| Dental | AETNA LIFE INSURANCE COMPANY | 905 | $311K |
| Vision | AETNA LIFE INSURANCE COMPANY | 905 | $311K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 993 | $114K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC | 434 | $5.4M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 993 | $304K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 993 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.