| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | NEIGHBORHOOD HEALTH PARTNERSHIP | — | $45K | $45K | 6.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $41 | $4K | 13.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | METROPOLITAN LIFE INSURANCE COMPANY | — | $497 | $497 | 1.58% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 806 TYVOLA ROAD, SUITE 108 CHARLOTTE, NC 28290 | METROPOLITAN LIFE INSURANCE COMPANY | — | $31 | $31 | 0.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $2K | — | $2K | 9.77% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | — | $253 | $253 | 1.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2081 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 24.71% |
| TRAVIS HERNANDEZ3 | 6750 NORTH ANDREWS AVENUE SUITE 200 FORT LAUDERDALE, FL 33309 | CONTINENTAL AMERICAN INSURANCE COMPANY | $986 | — | $986 | 6.97% |
| SHERILL ASHLEY HERNANDEZ3 Filed as: SHERILL ASHLEY-HERNANDEZ | 10933 NW 55TH STREET CORAL SPRINGS, FL 33076 | CONTINENTAL AMERICAN INSURANCE COMPANY | $810 | — | $810 | 5.72% |
| SHIRLEY E MARTIN3 Filed as: SHIRLEY E. MARTIN | 500 BAYVIEW DRIVE, SUITE 324 SUNNY ISLES BEACH, FL 33160 | CONTINENTAL AMERICAN INSURANCE COMPANY | $541 | — | $541 | 3.82% |
| JONATHAN A HERNANDEZ3 Filed as: JONATHAN A. HERNANDEZ | 6750 NORTH ANDREWS AVENUE FORT LAUDERDALE, FL 33309 | CONTINENTAL AMERICAN INSURANCE COMPANY | $536 | — | $536 | 3.79% |
| JOAN NITZBURG3 | 13220 NW 11TH DRIVE SUNRISE, FL 33323 | CONTINENTAL AMERICAN INSURANCE COMPANY | $505 | — | $505 | 3.57% |
| BRITTANY N TALLON3 Filed as: BRITTANY N. TALON AND OTHER AGENTS | UNKNOWN WILTON MANORS, FL 33305 | CONTINENTAL AMERICAN INSURANCE COMPANY | $484 | — | $484 | 3.42% |
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 | 118 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | NEIGHBORHOOD HEALTH PARTNERSHIP | 155 | $717K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 145 | $49K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 139 | $17K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 145 | $48K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 145 | $31K |
| Prescription drug(2 contracts, 2 carriers) | NEIGHBORHOOD HEALTH PARTNERSHIP | 155 | $717K |
| Other(5 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 145 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.