| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSIGHT BUSINESS & INSURANCE3 Filed as: INSIGHT BUSINESS AND INS SOLNS, INC | 1300 SAWGRASS CORPORATION PARKWAY SUNRISE, FL 33323 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $219K | $5K | $224K | 5.91% |
| CAPTIVE INSURANCE SERVICES3 | 1300 SAWGRASS CORPORATE PARKWAY SUITE 160 SUNRISE, FL 33323 | BEAZLEY INSURANCE COMPANY INC | $44K | $0 | $44K | 12.00% |
| DSM FINANCIAL LLC3 Filed as: DSM FINANCIAL, LLC | 950 PENINSULA CORPORATE CIRCLE SUITE 3007 BOCA RATON, FL 33484 | BEAZLEY INSURANCE COMPANY INC | $30K | $0 | $30K | 8.00% |
| DAVID A. SCHWAB3 | 1 FINANCIAL PLAZA, SUITE 1200 FORT LAUDERDALE, FL 33394 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23K | $0 | $23K | 15.00% |
| MORFAR STRATEGIES INC3 Filed as: MORFAR STRATEGIES, INC. | 6990 GRIFFIN ROAD DAVIE, FL 33314 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $5K | $14K | 51.31% |
| CAPTIVE INSURANCE SERVICES3 Filed as: CAPTIVE INSURANCE SERVICES, INC. | 800 CORPORATE DRIVE FORT LAUDERDALE, FL 33334 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | $0 | $12K | 47.09% |
| PEACOCK FINANCIALS INC3 Filed as: PEACOCK FINANCIALS, INC. | 11830 NW 32ND MNR SUNRISE, FL 33323 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 19.33% |
| LISA M RUSSEY3 Filed as: LISA M. RUSSEY | 6990 GRIFFIN ROAD DAVIE, FL 33314 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $664 | $3K | 10.58% |
| MJ INSURANCE3 Filed as: BENJAMIN DARANG AND VARIOUS AGENTS | 2901 NW 48 AVENUE, APARTMENT 167 LAUDERDALE LAKES, FL 33313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $271 | $2 | $273 | 1.03% |
| JOSE H MUNGARRIETA3 Filed as: JOSE H. MUNGARRIETA | 10920 NW 67TH STREET DORAL, FL 33178 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $242 | $0 | $242 | 0.92% |
| MARIELENA HERRERA3 | 10920 NW 67TH STREET DORAL, FL 33178 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $148 | $0 | $148 | 0.56% |
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 | 1,003 | 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) | 1,003 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 859 | $4.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 859 | $3.8M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 859 | $3.8M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,003 | $155K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 859 | $3.8M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,003 | $181K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,003 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.