| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | HEALTH OPTIONS | $86K | $0 | $86K | 6.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 10.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | STANDARD INSURANCE COMPANY | $7K | $0 | $7K | 9.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2081 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 5.13% |
| SHERILL ASHLEY HERNANDEZ3 Filed as: SHERILL ASHLEY-HERNANDEZ | 10933 NW 55TH STREET CORAL SPRINGS, FL 33076 | CONTINENTAL AMERICAN INSURANCE COMPANY | $672 | $0 | $672 | 3.34% |
| JONATHAN A HERNANDEZ3 Filed as: JONATHAN A. HERNANDEZ | 6750 NORTH ANDREWS AVENUE FORT LAUDERDALE, FL 33309 | CONTINENTAL AMERICAN INSURANCE COMPANY | $156 | $0 | $156 | 0.78% |
| BRITTANY N TALLON3 Filed as: BRITTANY N. TALLON AND OTHER AGENTS | 7020 150TH COURT NORTH WEST PALM BEACH, FL 33418 | CONTINENTAL AMERICAN INSURANCE COMPANY | $79 | $0 | $79 | 0.39% |
| TRAVIS HERNANDEZ3 | 6750 NORTH ANDREWS AVENUE SUITE 200 FORT LAUDERDALE, FL 33309 | CONTINENTAL AMERICAN INSURANCE COMPANY | $73 | $0 | $73 | 0.36% |
| SHIRLEY E MARTIN3 Filed as: SHIRLEY E. MARTIN | 500 BAYVIEW DRIVE, SUITE 328 SUNNY ISLES BEACH, FL 33160 | CONTINENTAL AMERICAN INSURANCE COMPANY | $66 | $0 | $66 | 0.33% |
| LAD FINANCIAL CORP3 Filed as: LAD FINANCIAL CORPORATION | 605 HERMITAGE CIRCLE PALM BEACH GARDENS, FL 33410 | CONTINENTAL AMERICAN INSURANCE COMPANY | $56 | $0 | $56 | 0.28% |
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 | 249 | 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) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH OPTIONS | 190 | $1.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 217 | $88K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 217 | $88K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 249 | $162K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 249 | $94K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 249 | $162K |
| Prescription drug | HEALTH OPTIONS | 190 | $1.4M |
| Other(5 contracts, 5 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 249 | $188K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 249 | — |
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.
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.