| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE, LLC.-FRANK H. FURMAN INC. | 1314 E ATLANTIC BLVD POMPANO BEACH, FL 33060 | BLUE CROSS BLUE SHIELD OF FLORIDA/HEALTH OPTIONS, INC. | $78K | — | $78K | 4.00% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC.-FRANK H. FURMAN INC. | 1314 E. ATLANTIC BLVD. POMPANO BEACH, FL 33060 | BLUE CROSS BLUE SHIELD OF FLORIDA | $18K | — | $18K | 4.00% |
| FRANK H FURMAN INC3 Filed as: FRANK H FURMAN, INC. | 1314 E ATLANTIC BLVD POMPANO BEACH, FL 33060 | HUMANA INSURANCE COMPANY | $5K | — | $5K | 2.53% |
| FRANK H FURMAN INC3 | 1314 E ATLANTIC BLVD POMPANO BEACH, FL 33060 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $465 | $9K | 15.86% |
| FRANK H FURMAN INC3 | 1314 E ATLANTIC BLVD POMPANO BEACH, FL 33060 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $392 | $5K | 10.81% |
| FRANK H FURMAN INC3 | 1314 E ATLANTIC BLVD POMPANO BEACH, FL 33060 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $315 | $2K | 5.82% |
| FRANK H FURMAN INC3 Filed as: FRANK H FURMAN, INC. | 1314 E ATLANTIC BLVD POMPANO BEACH, FL 33060 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 8.23% |
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 | 521 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 35 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 562 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA/HEALTH OPTIONS, INC. | 331 | $2.4M |
| Dental | HUMANA INSURANCE COMPANY | 376 | $193K |
| Vision | HUMANA INSURANCE COMPANY | 282 | $23K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 521 | $102K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 192 | $38K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA/HEALTH OPTIONS, INC. | 331 | $2.4M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 521 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 521 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.