| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $50K | $54K | 9.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $3K | $3K | 0.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $2K | $9K | 14.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2081 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 6.18% |
| JONATHAN A HERNANDEZ3 Filed as: JONATHAN A. HERNANDEZ | 6750 NORTH ANDREWS AVENUE FORT LAUDERDALE, FL 33309 | CONTINENTAL AMERICAN INSURANCE COMPANY | $537 | $0 | $537 | 2.73% |
| SHERILL ASHLEY HERNANDEZ3 Filed as: SHERILL ASHLEY-HERNANDEZ | 10933 NW 55TH STREET CORAL SPRINGS, FL 33076 | CONTINENTAL AMERICAN INSURANCE COMPANY | $391 | $0 | $391 | 1.99% |
| TOMAS E FLORES3 Filed as: TOMAS E. FLORES | 1054 GATEWAY BOULEVARD, SUITE 103 BOYNTON BEACH, FL 33426 | CONTINENTAL AMERICAN INSURANCE COMPANY | $117 | $0 | $117 | 0.59% |
| TRAVIS HERNANDEZ3 | 6750 NORTH ANDREWS AVENUE SUITE 200 FORT LAUDERDALE, FL 33309 | CONTINENTAL AMERICAN INSURANCE COMPANY | $89 | $0 | $89 | 0.45% |
| SHIRLEY E MARTIN3 Filed as: SHIRLEY E. MARTIN | 500 BAYVIEW DRIVE, SUITE 328 SUNNY ISLES BEACH, FL 33160 | CONTINENTAL AMERICAN INSURANCE COMPANY | $74 | $0 | $74 | 0.38% |
| BRITTANY N TALLON3 Filed as: BRITTANY N. TALLON AND OTHER AGENTS | 7020 150TH COURT NORTH WEST PALM BEACH, FL 33418 | CONTINENTAL AMERICAN INSURANCE COMPANY | $63 | $0 | $63 | 0.32% |
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 | 101 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 108 | $568K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 129 | $58K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 129 | $58K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 129 | $58K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 129 | $58K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 108 | $568K |
| Other(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 185 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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.