| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAPTIVE INSURANCE SERVICES3 Filed as: CAPTIVE INSURANCE SERVICES INC. | 1801 CLINT MOORE ROAD BOCA RATON, FL 33487 | ANTHEM BLUECROSS LIFE AND HEALTH INSURANCE COMPANY | $201K | — | $201K | 4.35% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 4371 LATHAM STREET SUITE 101 RIVERSIDE, CA 92501 | ANTHEM BLUECROSS LIFE AND HEALTH INSURANCE COMPANY | $89K | $3K | $92K | 1.99% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 27647 NETWORK PLACE CHICAGO, IL 60673 | ANTHEM BLUECROSS LIFE AND HEALTH INSURANCE COMPANY | $19K | — | $19K | 0.41% |
| CAPTIVE INSURANCE SERVICES3 | 800 CORPORATE DRIVE SUITE 600 FORT LAUDERDALE, FL 333343621 | METROPOLITAN LIFE INSURANCE COMPANY | $346K | $0 | $346K | 12.44% |
| COMPASS CONSULTING GROUP INC3 Filed as: COMPASS CONSULTING GROUP | 4348 SOUTHPOINT BLVD SUITE 400 JACKSONVILLE, FL 32216 | BLUE CROSS BLUE SHIELD OF FLORIDA | $47K | — | $47K | 1.81% |
| COMPASS CONSULTING GROUP INC3 Filed as: COMPASS CONSULTING GROUP, INC. | 4348 SOUTHPOINT BLVD SUITE 400 JACKSONVILLE, FL 32216 | HEALTH OPTIONS, INC. | $45K | — | $45K | 2.58% |
| CAPTIVE INSURANCE SERVICES3 Filed as: CAPTIVE INSURANCE SERVICES INC | 800 CORPORATE DRIVE SUITE 600 FORT LAUDERDALE, FL 33334 | KAISER FOUNDATION HEALTH PLAN INC | $45K | — | $45K | 3.80% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CALIFORNIA INS | P.O. BOX 2158 RIVERSIDE, CA 92516 | KAISER FOUNDATION HEALTH PLAN INC | $22K | $2K | $24K | 2.03% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 155 N WACKER DRIVE SUITE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 0.17% |
| CAPTIVE INSURANCE SERVICES3 Filed as: CAPTIVE INSURANCE SERVICES, INC. | 1300 SAWGRASS CORPORATE PARKWAY SUITE 160 SUNRISE, FL 33323 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $26K | $26K | 2.64% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1560 SAWGRASS CORPORATE PKWY SUITE 300 SUNRISE, FL 33323 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $13K | $13K | 1.36% |
| CAPTIVE INSURANCE SERVICES3 Filed as: CAPTIVE INSURANCE SERVICES INC | 800 CORPORATE DRIVE SUITE 800 FORT LAUDERDALE, FL 33334 | METROPOLITAN LIFE INSURANCE COMPANY | $99K | — | $99K | 12.24% |
| CAPTIVE INSURANCE SERVICES3 Filed as: CAPTIVE INSURANCE SERVICES INC. | 800 CORPORATE DRIVE SUITE 600 FORT LAUDERDALE, FL 33334 | KAISER FOUNDATION HEALTH PLAN INC. | $43K | — | $43K | 5.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CALIFORNIA INS | P.O. BOX 2158 RIVERSIDE, CA 92516 | KAISER FOUNDATION HEALTH PLAN INC. | $21K | $1K | $22K | 2.80% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 155 N. WACKER DRIVE SUITE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN INC. | $2K | — | $2K | 0.23% |
| KYLE KELLY3 | 13902 NORTH DALE MABRY TAMPA, FL 33618 | EMPIRE | $12K | — | $12K | 1.64% |
| CAPTIVE INSURANCE SERVICES3 | 1801 CLINT MOORE ROAD BOCA RATON, FL 33487 | EMPIRE | $9K | — | $9K | 1.23% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS INC. | 27647 NETWORK PLACE CHICAGO, IL 60673 | EMPIRE | $5K | — | $5K | 0.64% |
| CAPTIVE INSURANCE SERVICES3 Filed as: CAPTIVE INSURANCE SERVICES, INC. | 800 CORPORATE DRIVE SUITE 600 FORT LAUDERDALE, FL 333343621 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $16K | $0 | $16K | 10.18% |
| CAPTIVE INSURANCE SERVICES3 | 800 CORPORATE DRIVE SUITE 600 FORT LAUDERDALE, FL 33334 | BEAZLEY INSURANCE COMPANY INC. | $17K | — | $17K | 12.00% |
| DSM FINANCIAL LLC3 Filed as: DSM FINANCIAL, LLC | 950 PENINSULA CORPORATE CIRCLE SUITE 1005 BOCA RATON, FL 33487 | BEAZLEY INSURANCE COMPANY INC. | $12K | — | $12K | 8.00% |
| CAPTIVE INSURANCE SERVICES3 | 800 CORPORATE DRIVE SUITE 600 FORT LAUDERDALE, FL 33334 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 6.08% |
| CAPTIVE INSURANCE SERVICES3 | 800 CORPORATE DRIVE SUITE 600 FORT LAUDERDALE, FL 333343621 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $3K | — | $3K | 9.53% |
| CAPTIVE INSURANCE SERVICES3 | 800 CORPORATE DRIVE FORT LAUDERDALE, FL 33334 | EYEMED VISION CARE (FIDELITY SECURITY LIFE) | $4K | — | $4K | 17.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 3390 UNIVERSITY DRIVE SUITE 300 RIVERSIDE, CA 92501 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $295 | — | $295 | 1.84% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $60 | — | $60 | 0.37% |
| CAPTIVE INSURANCE SERVICES3 Filed as: CAPTIVE INSURANCE SERVICES INC | 800 CORPORATE DRIVE SUITE 600 FORT LAUDERDALE, FL 33334 | SAFEGUARD HEALTH PLANS, INC | $2K | — | $2K | 13.96% |
| CAPTIVE INSURANCE SERVICES3 Filed as: CAPTIVE INSURANCE SERVICES INC | 800 CORPORATE DRIVE SUITE 600 FORT LAUDERDALE, FL 33334 | SAFEGUARD HEALTH PLANS, INC. | $919 | — | $919 | 14.53% |
| CAPTIVE INSURANCE SERVICES3 Filed as: CAPTIVE INSURANCE SERVICES INC | 800 CORPORATE DRIVE SUITE 600 FORT LAUDERDALE, FL 333343621 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $497 | $0 | $497 | 9.83% |
| CAPTIVE INSURANCE SERVICES3 | 800 CORPORATE DRIVE SUITE 600 FORT LAUDERDALE, FL 33334 | SAFEGUARD HEALTH PLANS, INC | $608 | — | $608 | 15.18% |
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 | 4,236 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 65 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 8 carriers) | ANTHEM BLUECROSS LIFE AND HEALTH INSURANCE COMPANY | 455 | $11.1M |
| Dental(10 contracts, 6 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,578 | $4.5M |
| Vision(5 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,578 | $4.4M |
| Life insurance(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 4,578 | $3.6M |
| Short-term disability(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 4,578 | $3.7M |
| Long-term disability(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 4,578 | $3.6M |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 95 | $4.4M |
| Other(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 4,578 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,578 | — |
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.