| 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 | $80K | $0 | $80K | 6.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | STANDARD INSURANCE COMPANY | $8K | $0 | $8K | 8.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 1.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | BLUE CROSS BLUE SHIELD OF FLORIDA | $5K | $0 | $5K | 6.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | $0 | $6K | 9.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2081 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | CONTINENTAL AMERICAN INSURANCE COMPANY | $920 | $0 | $920 | 5.23% |
| SHERILL ASHLEY HERNANDEZ3 Filed as: SHERILL ASHLEY-HERNANDEZ | 10933 NW 55TH STREET CORAL SPRINGS, FL 33076 | CONTINENTAL AMERICAN INSURANCE COMPANY | $613 | $0 | $613 | 3.49% |
| JONATHAN A HERNANDEZ3 Filed as: JONATHAN A. HERNANDEZ | 6750 NORTH ANDREWS AVENUE FORT LAUDERDALE, FL 33309 | CONTINENTAL AMERICAN INSURANCE COMPANY | $103 | $0 | $103 | 0.59% |
| TRAVIS HERNANDEZ3 | 6750 NORTH ANDREWS AVENUE SUITE 200 FORT LAUDERDALE, FL 33309 | CONTINENTAL AMERICAN INSURANCE COMPANY | $76 | $0 | $76 | 0.43% |
| BRITTANY N TALLON3 Filed as: BRITTANY N. TALLON AND OTHER AGENTS | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | CONTINENTAL AMERICAN INSURANCE COMPANY | $64 | $0 | $64 | 0.36% |
| SHIRLEY E MARTIN3 Filed as: SHIRLEY E. MARTIN | 500 BAYVIEW DRIVE, SUITE 328 SUNNY ISLES BEACH, FL 33160 | CONTINENTAL AMERICAN INSURANCE COMPANY | $63 | $0 | $63 | 0.36% |
| L A D FINANCIAL CORP3 Filed as: L.A.D. FINANCIAL CORPORATION | 605 HERMITAGE CIRCLE PALM BEACH GARDENS, FL 33410 | CONTINENTAL AMERICAN INSURANCE COMPANY | $45 | $0 | $45 | 0.26% |
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 | 259 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 167 | $1.4M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 261 | $66K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 261 | $66K |
| Life insurance | STANDARD INSURANCE COMPANY | 236 | $102K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 236 | $119K |
| Long-term disability | STANDARD INSURANCE COMPANY | 236 | $102K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 167 | $1.4M |
| Other(4 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 236 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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.