| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAPTIVE INSURANCE SERVICES3 | 1300 SAWGRASS CORPORATE PARKWAY SUITE 160 SUNRISE, FL 33323 | BEAZLEY INSURANCE COMPANY INC | $2.2M | $0 | $2.2M | 12.00% |
| DSM FINANCIAL LLC3 Filed as: DSM FINANCIAL, LLC | 950 PENINSULA CORPORATE CIRCLE SUITE 3007 BOAC RATON, FL 33487 | BEAZLEY INSURANCE COMPANY INC | $1.5M | $0 | $1.5M | 8.00% |
| CAPTIVE INSURANCE SERVICES3 Filed as: CAPTIVE INSURANCE SERVICES, INC. | 1300 SAWGRASS PARKWAY SUITE 160 SUNRISE, FL 33323 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $220K | $0 | $220K | 4.60% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | P.O. BOX 3310 SANTA BARBARA, CA 93130 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $67K | $0 | $67K | 1.40% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 27647 NETWORK PLACE CHICAGO, IL 60673 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $51K | $0 | $51K | 1.07% |
| CAPTIVE INSURANCE SERVICES3 Filed as: CAPTIVE INSURANCE SERVICES INC | 1300 SAWGRASS CORPORATE PARKWAY SUITE 160 SUNRISE, FL 33323 | METROPOLITAN LIFE INSURANCE COMPANY | $418K | $0 | $418K | 13.64% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1560 SAWGRASS CORPORATE PARKWAY SUITE 300 SUNRISE, FL 33323 | UNITED HEALTHCARE INSURANCE COMPANY | — | $76 | $76 | 0.01% |
| CAPTIVE INSURANCE SERVICES3 Filed as: CAPTIVE INSURANCE SERVICES INC | 1300 SAWGRASS CORPORATE PARKWAY SUITE 160 SUNRISE, FL 33323 | METROPOLITAN LIFE INSURANCE COMPANY | $145K | $0 | $145K | 13.98% |
| CAPTIVE INSURANCE SERVICES3 Filed as: CAPTIVE INSURANCE SERVICES INC | 1300 SAWGRASS CORPORATE PARKWAY SUITE 160 SUNRISE, FL 33323 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $0 | $19K | 14.26% |
| CAPTIVE INSURANCE SERVICES3 Filed as: CAPTIVE INSURANCE SERVICES INC | 1300 SAWGRASS CORPORATE PARKWAY SUITE 160 SUNRISE, FL 33323 | SAFEGUARD HEALTH PLANS, INC | $13K | $0 | $13K | 11.00% |
| CAPTIVE INSURANCE SERVICES3 Filed as: CAPTIVE INSURANCE SERVICES INC | 800 CORPORATE DRIVE SUITE 600 FORT LAUDERDALE, FL 33334 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 2.95% |
| CAPTIVE INSURANCE SERVICES3 Filed as: CAPTIVE INSURANCE SERVICES, INC. | 800 CORPORATE DRIVE SUITE 600 FORT LAUDERDALE, FL 33334 | METLIFE LEGAL PLANS OF FLORIDA | $2K | — | $2K | 6.21% |
| CAPTIVE INSURANCE SERVICES3 Filed as: CAPTIVE INSURANCE SERVICES, INC. | 1300 SAWGRASS CORPORATE PARKWAY SUITE 220 SUNRISE, FL 33323 | METLIFE LEGAL PLANS OF FLORIDA | $2K | — | $2K | 4.69% |
| CAPTIVE INSURANCE SERVICES3 Filed as: CAPTIVE INSURANCE SERVICES, INC. | 800 CORPORATE SERVICES SUITE 600 FORT LAUDERDALE, FL 33334 | METLIFE LEGAL PLANS OF FLORIDA | — | $1K | $1K | 3.83% |
| CAPTIVE INSURANCE SERVICES3 Filed as: CAPTIVE INSURANCE SERVICES INC | 1300 SAWGRASS CORPORATE PARKWAY SUITE 160 SUNRISE, FL 33323 | SAFEGUARD HEALTH PLANS, INC. | $3K | $0 | $3K | 10.63% |
| CAPTIVE INSURANCE SERVICES3 Filed as: CAPTIVE INSURANCE SERVICES INC | 800 CORPORATE DRIVE FORT LAUDERDALE, FL 33334 | FIDELITY SECURITY LIFE INSURER COMPANY | $2K | $0 | $2K | 10.29% |
| CAPTIVE INSURANCE SERVICES3 Filed as: CAPTIVE INSURANCE SERVICES INC | 1300 SAWGRASS CORPORATE PARKWAY SUITE 160 SUNRISE, FL 33323 | SAFEGUARD HEALTH PLANS, INC | $2K | $0 | $2K | 17.11% |
| CAPTIVE INSURANCE SERVICES3 Filed as: CAPTIVE INSURANCE SERVICES INC | 1300 SAWGRASS CORPORATE PARKWAY SUITE 160 SUNRISE, FL 33323 | SAFEGUARD HEALTH PLANS, INC. | $2K | $0 | $2K | 16.19% |
| CAPTIVE INSURANCE SERVICES Filed as: CAPTIVE INSURANCE SERVICES INC | 1300 SAWGRASS CORPORATE PARKWAY SUITE 160 SUNRISE, FL 33323 | SAFEGUARD HEALTH PLANS, INC | $980 | $0 | $980 | 16.00% |
| CAPTIVE INSURANCE SERVICES3 Filed as: CAPTIVE INSURANCE SERVICES INC | 1300 SAWGRASS CORPORATE PARKWAY SUITE 160 SUNRISE, FL 33323 | SAFEGUARD HEALTH PLANS, INC. | $504 | $0 | $504 | 8.49% |
| CAPTIVE INSURANCE SERVICES3 Filed as: CAPTIVE INSURANCE SERVICES INC | 1300 SAWGRASS CORPORATE PARKWAY SUITE 160 SUNRISE, FL 33323 | SAFEGUARD HEALTH PLANS, INC | $462 | $0 | $462 | 15.00% |
| CAPTIVE INSURANCE SERVICES3 Filed as: CAPTIVE INSURANCE SERVICES INC | 800 CORPORATE DRIVE SUITE 600 FORT LAUDERDALE, FL 33334 | SAFEGUARD HEALTH PLANS, INC | $30 | $0 | $30 | 22.90% |
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 | 2,735 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 230 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,965 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BEAZLEY INSURANCE COMPANY INC | 830 | $24.7M |
| Dental(11 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,475 | $4.4M |
| Vision(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,475 | $4.2M |
| Life insurance(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 4,475 | $4.2M |
| Short-term disability(5 contracts, 2 carriers) | BEAZLEY INSURANCE COMPANY INC | 4,475 | $23.0M |
| Long-term disability(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 4,475 | $4.2M |
| Other(5 contracts, 3 carriers) | BEAZLEY INSURANCE COMPANY INC | 4,475 | $22.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,475 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.