| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MIER INSURANCE GROUP INC3 | 13615 S DIXIE HWY #552 MIAMI, FL 33176 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $41K | $41K | 4.98% |
| MIER INSURANCE GROUP INC3 Filed as: MIER INSURANCE COMPANY | 68 SE 6TH ST APT 1709 MIAMI, FL 33131 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | — | $19K | 13.22% |
| JANET IBANEZ3 | 10205 SW 130 LANE MIAMI, FL 33176 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $10K | $17K | 38.50% |
| MIRIAM CABRERA MIER3 | 68 SE 6 STREET MIAMI, FL 33131 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $0 | $9K | 19.58% |
| MIS BENEFITS CONSULTANTS INC3 | 2663 RIO DE JANEIRO AVE COOPER CITY, FL 33026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $5K | 10.49% |
| CHRISTINA BIEBER3 | 12827 WOODMILL DRIVE PALM BEACH GARDENS, FL 33418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $334 | $3K | 6.45% |
| DORIS JUDITH BEJARANO3 | 2114 N FLAMINGO RD PEMBROKE PINES, FL 33028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $33 | $1K | 2.81% |
| GLADYS GONZALEZ3 | 1690 MISTY LAKE DR FLEMING ISLAND, FL 32003 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 2.68% |
| GEOVANNY ENCARNACION3 | 8051 SOUTHGATE BLVD N LAUDERDALE, FL 33068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $551 | $0 | $551 | 1.24% |
| IRENE SHULGIN3 | 10400 BUENOS AIRES ST COOPER CITY, FL 33026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $310 | $94 | $404 | 0.91% |
| LOURDES JOSSELIN IZAGUIRRE3 | 9740 BAHAMA DRIVE CUTLER BAY, FL 33189 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $353 | $0 | $353 | 0.80% |
| WENDOLYN ISOLA3 | 9271 CARIBBEAN BLVD CUTLER BAY, FL 33157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $135 | $127 | $262 | 0.59% |
| ESQUEN INSURANCE GROUP CORP3 | 14552 SW 152ND PLACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $91 | $29 | $120 | 0.27% |
| JUDITH I VIDAL3 | 7280 STIRLING RD HOLLYWOOD, FL 33024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $91 | $0 | $91 | 0.21% |
| LUC JOSEPH3 | 548 NW 51 ST ST MIAMI, FL 33127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74 | $5 | $79 | 0.18% |
| WILLIAM GARDNER EICHHORN3 | 23645 CORAL RIDGE LN LAND O LAKES, FL 34639 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | $25 | $67 | 0.15% |
| AC INSURANCE SERVICESLLC3 | 2077 NW 111 TH TER CORAL SPRINGS, FL 33071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $28 | $51 | 0.11% |
| AC INSURANCE SERVICES LLC3 | 2077 NW 111 TH TER CORAL SPRINGS, FL 33071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $1 | $20 | 0.05% |
| KYLE RUSSEY3 | 6921 E. WEDGEWOOD AVE DAVIE, FL 33331 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $9 | $20 | 0.05% |
| MIER INSURANCE GROUP INC3 Filed as: MIER INSURANCE GROUP INC. | 68 SE 6TH ST 1709 MIAMI, FL 33131 | SAFEGUARD HEALTH PLANS, INC ., A FLORIDA CORPORATION | — | $794 | $794 | 13.77% |
| MIER INSURANCE GROUP INC3 Filed as: MIER INSURANCE GROUP INC. | 68 SE 6TH ST 1709 MIAMI, FL 33131 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | — | $225 | $225 | 15.00% |
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 | 220 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 220 | 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 | 125 | $859K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 220 | $153K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 220 | $147K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 220 | $191K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 220 | $147K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 220 | $147K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 220 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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.