| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAPTIVE INSURANCE SERVICES3 | 1300 SAWGRASS CORPORATE PARKWAY SUNRISE, FL 33323 | AETNA LIFE INSURANCE COMPANY | $19K | $0 | $19K | 0.43% |
| CAPTIVE INSURANCE SERVICES3 | 1300 SAWGRASS CORPORATE PARKWAY SUITE 220 SUNRISE, FL 33323 | BEAZLEY INSURANCE COMPANY INC | $54K | $0 | $54K | 12.00% |
| DSM FINANCIAL LLC3 Filed as: DSM FINANCIAL, LLC | 950 PENINSULA CORPORATE CIRCLE SUITE 3007 BOCA RATON, FL 33487 | BEAZLEY INSURANCE COMPANY INC | $36K | $0 | $36K | 8.00% |
| CAPTIVE INSURANCE SERVICES3 | 1300 SAWGRASS CORPORATE PARKWAY SUITE 160 SUNRISE, FL 33323 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $0 | $25K | 8.37% |
| DAVID A. SCHWAB3 | 1 FINANCIAL PLAZA, SUITE 1200 FORT LAUDERDALE, FL 33394 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $24K | $0 | $24K | 15.00% |
| CAPTIVE INSURANCE SERVICES3 | 800 CORPORATE DRIVE FORT LAUDERDALE, FL 33334 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18K | $0 | $18K | 11.72% |
| MORFAR STRATEGIES INC3 | 6990 GRIFFIN ROAD DAVIE, FL 33314 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $6K | $15K | 9.74% |
| PEACOCK FINANCIALS INC3 | 11830 NW 32ND MNR SUNRISE, FL 33323 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $4K | $8K | 5.34% |
| MJ INSURANCE3 Filed as: MATTHEW LEGGETT AND VARIOUS AGENTS | 3040 ROSEWOOD COURT DAVIE, FL 33328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $424 | $5K | 3.46% |
| LISA M RUSSEY3 Filed as: LISA M.. RUSSEY | 6990 GRIFFIN ROAD DAVIE, FL 33314 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 3.29% |
| JOSE H MUNGARRIETA3 Filed as: JOSE H. MUNGARRIETA | 10920 NW 67TH STREET DORAL, FL 33178 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $917 | $98 | $1K | 0.67% |
| MARIELENA HERRERA3 | 10920 NW 67TH STREET DORAL, FL 33178 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $820 | $18 | $838 | 0.55% |
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 | 524 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 930 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,456 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 782 | $4.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 837 | $300K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 837 | $300K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 959 | $161K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 782 | $4.5M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 959 | $313K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 959 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.