| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP, INC. DBA HAYS COMPANIES | 1000 SOUTH PINE ISLAND ROAD SUITE 225 PLANTATION, FL 33324 | BLUE CROSS BLUE SHIELD OF FLORIDA | $101K | — | $101K | 5.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP, INC. DBA HAYS COMPANIES | 1000 SOUTH PINE ISLAND ROAD SUITE 225 PLANTATION, FL 33324 | HEALTH OPTIONS, INC. | $14K | — | $14K | 5.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP, INC. DBA HAYS COMPANIES | 1000 SOUTH PINE ISLAND ROAD SUITE 225 PLANTATION, FL 33324 | TRULI | $8K | — | $8K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 1201 WEST CYPRESS CREEK ROAD SUITE 130 FORT LAUDERDALE, FL 33309 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $5K | $15K | 9.91% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INSURANCE AGENCY | 1000 S PINE ISLAND RD STE 225 PLANTATION, FL 33324 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $7K | $12K | 7.64% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 1201 NW 62ND STREET SUITE 130 FORT LAUDERDALE, FL 33309 | FLORIDA COMBINED LIFE | $16K | — | $16K | 23.26% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP, INC. DBA HAYS COMPANIES | 1000 SOUTH PINE ISLAND ROAD SUITE 225 PLANTATION, FL 33324 | FLORIDA COMBINED LIFE | $5K | — | $5K | 7.24% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMINISTRATION | PO BOX 850502 MINNEAPOLIS, MN 554850502 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $766 | — | $766 | 3.95% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 1201 WEST CYPRESS CREEK ROAD FORT LAUDERDALE, FL 33309 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $505 | — | $505 | 2.60% |
| DANIEL CARRIAZO3 | 10805 SW 134 CT MIAMI, FL 331863318 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $391 | — | $391 | 2.02% |
| ROBERT M GLASS CORP3 Filed as: ROBERT M GLASS | 1600 S FEDERAL HWY SUITE 801-D POMPANO BEACH, FL 33062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $376 | — | $376 | 1.94% |
| VOLUNTARY INS GROUP INC3 Filed as: VOLUNTARY INS GROUP | 231 SW 63RD TERR PEMBROKE PINES, FL 33023 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $101 | — | $101 | 0.52% |
| ORLANDO SAAVEDRA3 | 3471 SW 143 CT MIAMI, FL 33175 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $97 | — | $97 | 0.50% |
| CAROLINA CAPELLAN3 | 2206 S CYPRESS BEND DRIVE #708 POMPANO BEACH, FL 33069 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $83 | — | $83 | 0.43% |
| CAYSPILAR GUILLEN3 | 7911 NW 11TH COURT PEMBROKE PINES, FL 33024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $82 | — | $82 | 0.42% |
| MICHELLE LAMPERT3 | 740 S FEDERAL HIGHWAY APT 412 POMPANO BEACH, FL 33062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $65 | — | $65 | 0.34% |
| NESTOR URIBE3 | 2503 NW 52 ST BOCA RATON, FL 33496 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $53 | — | $53 | 0.27% |
| LAQUETA BAILEY3 | 2164 SIENA WAY HOLLYWOOD, FL 33021 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $43 | — | $43 | 0.22% |
| JANETTE ZUNIGA3 | 24-01 19TH STREET #3 ASTORIA, NY 11102 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $39 | — | $39 | 0.20% |
| RAMON J FRIAS INC3 Filed as: RAMON J FRIAS INC. | 1611 NW 102ND DRIVE CORAL SPRINGS, FL 33071 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.05% |
| GARY OLIVERA3 | 6320 ATLANTA STREET HOLLYWOOD, FL 33024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 1000 SOUTH PINE ISLAND ROAD #225 PLANTATION, FL 33324 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 7.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN DBA HAYS COMPANIES | NCB - 88 P.O. BOX 1414 MINNEAPOLIS, MN 55480 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $440 | — | $440 | 2.95% |
| ROBERT M GLASS CORP3 Filed as: ROBERT GLASS | 1600 SOUTH FEDERAL HIGHWAY SUITE 801 POMPANO BEACH, FL 33062 | TRUSTMARK INSURANCE COMPANY | $3K | — | $3K | 17.40% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INSURANCE SERVICES | 901 MARQUETTE AVENUE SUITE 1800 MINNEAPOLIS, MN 55402 | TRUSTMARK INSURANCE COMPANY | $1K | — | $1K | 9.40% |
| HAYS COMPANIES, INC.3 | 901 MARQUETTE AVENUE SUITE 1800 MINNEAPOLIS, MN 55402 | TRUSTMARK INSURANCE COMPANY | $1K | — | $1K | 8.00% |
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 | 271 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 108 | $2.5M |
| Dental | FLORIDA COMBINED LIFE | 103 | $67K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 199 | $15K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 271 | $165K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 271 | $151K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 271 | $151K |
| Prescription drug(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 108 | $2.5M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 271 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 271 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.