| 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 | $0 | $38K | $38K | 5.00% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $33K | $8K | $40K | 23.64% |
| MIER INSURANCE GROUP INC3 | 68 SE 6TH ST APT 1709 MIAMI, FL 33131 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.93% |
| MIER INSURANCE GROUP INC3 | 68 SE 6TH ST APT 1709 MIAMI, FL 33131 | SAFEGUARD HEALTH PLANS, INC.,A FLORIDA CORPORATION | $82 | — | $82 | 1.66% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | SAFEGUARD HEALTH PLANS, INC.,A FLORIDA CORPORATION | — | $46 | $46 | 0.93% |
| MIRIAM CABRERA MIER3 | 68 SE 6 ST MIAMI, FL 33131 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $286 | — | $286 | 9.92% |
| JANET IBANEZ3 | 10205 SW 130 LANE MIAMI, FL 33176 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $203 | $41 | $244 | 8.46% |
| CHRISTINA BIEBER3 | 12827 WOODMILL DRIVE PALM BEACH GARDENS, FL 33418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | $4 | $79 | 2.74% |
| MARTHA CASTILLO3 | 10801 SW 123 RD ST MIAMI, FL 33176 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $60 | — | $60 | 2.08% |
| MIS BENEFITS CONSULTANTS INC3 | 2663 RIO DE JANEIRO AVE COOPER CITY, FL 33026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | $1 | $36 | 1.25% |
| WENDOLYN ISOLA3 | 9271 CARIBBEAN BLVD CUTLER BAY, FL 33157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $4 | $25 | 0.87% |
| MARIA D KADALA3 | 1830 N. UNIVERSITY DR PLANTATION, FL 33322 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $2 | $25 | 0.87% |
| ANA GLADYS HIDALGO3 | 841 SW 72AVE MIAMI, FL 33144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.62% |
| DORIS JUDITH BEJARANO3 | 2114 N FLAMINGO RD PEMBROKE PINES, FL 33028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.17% |
| IRENE SHULGIN3 | 10400 BUENOS AIRES ST COOPER CITY, FL 33026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $1 | $5 | 0.17% |
| RUBENIA MARIA ULLOA3 | 9435 SW 6TH LANE MIAMI, FL 33174 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.03% |
| CREATIVE BENEFIT CONSULTANTS INC3 | 18214 102ND WAY S BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.03% |
| JANET IBANEZ3 | 10205 SW 130 LANE MIAMI, FL 33176 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $235 | $112 | $347 | 12.55% |
| MIRIAM CABRERA MIER3 | 68 SE 6 STREET MIAMI, FL 33131 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $233 | $0 | $233 | 8.42% |
| MARTHA CASTILLO3 | 10801 SW 123 RD ST MIAMI, FL 33176 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $132 | $0 | $132 | 4.77% |
| CHRISTINA BIEBER3 | 12827 WOODMILL DRIVE PALM BEACH GARDENS, FL 33418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $112 | $13 | $125 | 4.52% |
| WENDOLYN ISOLA3 | 9271 CARIBBEAN BLVD CUTLER BAY, FL 33157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | $8 | $50 | 1.81% |
| MIS BENEFITS CONSULTANTS INC3 | 2663 RIO DE JANEIRO AVE COOPER CITY, FL 33026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $3 | $20 | 0.72% |
| MARIA D KADALA3 | 1830 N UNIVERSITY DRIVE PLANTATION, FL 33322 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $1 | $15 | 0.54% |
| IRENE SHULGIN3 | 10400 BUENOS AIRES ST COOPER CITY, FL 33026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $2 | $10 | 0.36% |
| ANA GLADYS HIDALGO3 Filed as: ANA GLADYS IDALGO | 841 SW 72 AVE MIAMI, FL 33144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.29% |
| DORIS JUDITH BEJARANO3 | 2114 N FLAMINGO RD PEMBOKE PINES, FL 33028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.07% |
| RUBENIA MARIA ULLOA3 | 9435 SW 6TH LANE MIAMI, FL 33174 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.04% |
| CREATIVE BENEFIT CONSULTANTS INC3 | 18214 102ND WAY S BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.04% |
| MIER INSURANCE GROUP INC3 | 68 SE 6TH ST APT 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 | 134 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 80 | $750K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 181 | $176K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 181 | $171K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 181 | $171K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 181 | $171K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 181 | $171K |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 181 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.