| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRANK H FURMAN INC3 Filed as: FRANK H FURMAN, INC. | 1314 E. ATLANTIC BLVD. POMPANO BEACH, FL 33060 | HEALTH OPTIONS | $66K | — | $66K | 3.69% |
| FRANK H FURMAN INC3 Filed as: FRANK H FURMAN, INC | 1314 E ATLANTIC BLVD POMPANO BEACH, FL 33060 | BLUE CROSS BLUE SHIELD OF FLORIDA | $13K | — | $13K | 3.35% |
| FRANK H FURMAN INC3 Filed as: FRANK H FURMAN, INC. | 1314 E ATLANTIC BLVD POMPANO BEACH, FL 33060 | HUMANA INSURANCE COMPANY | $4K | — | $4K | 2.77% |
| FRANK H FURMAN INC3 | 1314 E ATLANTIC BLVD POMPANO BEACH, FL 33060 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $9K | 18.48% |
| FRANK H FURMAN INC3 | 1314 E ATLANTIC BLVD POMPANO BEACH, FL 33060 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 13.22% |
| FRANK H FURMAN INC3 | 1314 E ATLANTIC BLVD POMPANO BEACH, FL 33060 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $965 | $2K | 8.26% |
| FRANK H FURMAN INC3 Filed as: FRANK H FURMAN, INC. | 1314 E ATLANTIC BLVD POMPANO BEACH, FL 33060 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 8.76% |
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 | 451 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 22 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 476 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 314 | $2.2M |
| Dental | HUMANA INSURANCE COMPANY | 335 | $155K |
| Vision | HUMANA INSURANCE COMPANY | 244 | $20K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 451 | $82K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 153 | $30K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 314 | $2.2M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 451 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 451 | — |
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."
No prospect flags tripped on this filing.