| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FURMAN FRANK H INC3 | 1314 E ATLANTIC BLVD PO BOX 1927 POMPANO BEACH, FL 330606745 | HUMANA MEDICAL PLAN, INC. | $104K | $5K | $109K | 4.68% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA ALLTRUST INSURANCE | 2965 ALT 19 NORTH PALM HARBOR, FL 346831907 | HUMANA MEDICAL PLAN, INC. | $20K | — | $20K | 0.85% |
| FURMAN FRANK H INC3 | 1314 E ATLANTIC BLVD PO BOX 1927 POMPANO BEACH, FL 330606745 | HUMANA INSURANCE COMPANY | $5K | — | $5K | 2.24% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA ALLTRUST INSURANCE | 2965 ALT 19 NORTH PALM HARBOR, FL 346831907 | HUMANA INSURANCE COMPANY | $473 | — | $473 | 0.23% |
| FRANK H FURMAN INC3 | 1314 E ATLANTIC BLVD POMPANO BEACH, FL 33060 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $7K | 12.81% |
| ACRISURE LLC3 Filed as: ACRISURE LLC SOUTH FLORIDA | PO BOX 1788 GRAND RAPIDS, MI 49501 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $861 | — | $861 | 1.65% |
| FRANK H FURMAN INC3 | 1314 E ATLANTIC BLVD POMPANO BEACH, FL 33060 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 8.31% |
| ACRISURE LLC3 Filed as: ACRISURE LLC SOUTH FLORIDA | PO BOX 1788 GRAND RAPIDS, MI 49501 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $387 | — | $387 | 0.86% |
| FRANK H FURMAN INC3 | 1314 E ATLANTIC BLVD POMPANO BEACH, FL 33060 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 17.95% |
| ACRISURE LLC3 Filed as: ACRISURE LLC SOUTH FLORIDA | PO BOX 1788 GRAND RAPIDS, MI 49501 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.48% |
| FRANK H FURMAN INC3 Filed as: FRANK H FURMAN, INC. | 1314 E ATLANTIC BLVD PO BOX 1927 POMPANO BEACH, FL 330606745 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 7.12% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA ALLTRUST INSURANCE | 2965 ALT 19 NORTH PALM HARBOR, FL 346831907 | HUMANA INSURANCE COMPANY | $197 | — | $197 | 0.78% |
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 | 468 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 42 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 514 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA MEDICAL PLAN, INC. | 380 | $2.3M |
| Dental | HUMANA INSURANCE COMPANY | 356 | $203K |
| Vision | HUMANA INSURANCE COMPANY | 276 | $25K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 468 | $97K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 201 | $45K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 468 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 468 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.