| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOUMAR INSURANCE & FINANCIAL SERVIC3 Filed as: DOUMAR INS. OF PORT ST. LUCIE LLC | 1680 SW BAYSHORE BOULEVARD SUITE 233 PORT SAINT LUCIE, FL 34984 | TRULI | $30K | $0 | $30K | 5.83% |
| DOUMAR INSURANCE & FINANCIAL SERVIC3 Filed as: DOUMAR INS. OF PORT ST. LUCIE LLC | 1680 SW BAYSHORE BOULEVARD SUITE 233 PORT SAINT LUCIE, FL 34984 | BLUE CROSS BLUE SHIELD OF FLORIDA | $16K | $0 | $16K | 6.00% |
| DOUMAR INSURANCE & FINANCIAL SERVIC3 Filed as: DOUMAR INS. OF PORT ST. LUCIE LLC | 1928 COMMERCE LANE, SUITE 4 JUPITER, FL 33458 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | $0 | $11K | 9.97% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW ROAD, SUITE 1400 CHARLOTTE, NC 28210 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.08% |
| DOUMAR INSURANCE & FINANCIAL SERVIC3 Filed as: DOUMAR INS. AND FIN. SERVICES, INC. | 1928 COMMERCE LANE, SUITE 4 JUPITER, FL 33458 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.88% |
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 | 221 | 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) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TRULI | 95 | $780K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 299 | $110K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 299 | $110K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 299 | $110K |
| Prescription drug(2 contracts, 2 carriers) | TRULI | 95 | $780K |
| Other(3 contracts, 3 carriers) | TRULI | 299 | $890K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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.