| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIDELITY INSURANCE AGENCY INC3 Filed as: FIDELITY INSURANCE AGENCY, INC | 500 JIM MORAN BLVD DEERFIELD BEACH, FL 334421723 | BLUE CROSS BLUE SHIELD OF FLORIDA | $40K | — | $40K | 5.03% |
| FIDELITY INSURANCE AGENCY INC3 Filed as: FIDELITY INSURANCE AGENCY | 500 NW 12 AVE, MAIL DROP FIADF107 DEERFIELD BEACH, FL 33442 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 8.11% |
| FIDELITY INSURANCE AGENCY INC3 Filed as: FIDELITY INSURANCE AGENCY, INC | 500 JIM MORAN BLVD DEERFIELD BEACH, FL 334421723 | BLUE CROSS BLUE SHIELD OF FLORIDA | $3K | — | $3K | 4.93% |
| FIDELITY INSURANCE AGENCY INC3 | 500 JIM MORAN BLVD FIADF #107 DEERFIELD BEACH, FL 33442 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| MORFAR STRATEGIES INC3 | 11038 MAINSAIL DR HOLLYWOOD, FL 33026 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| FIDELITY INSURANCE AGENCY INC3 | 500 JIM MORAN BLVD FIADF #107 DEERFIELD BEACH, FL 33442 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| MORFAR STRATEGIES INC3 | 11038 MAINSAIL DR HOLLYWOOD, FL 33026 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| FIDELITY INSURANCE AGENCY INC3 | 500 JIM MORAN BLVD FIADF #107 DEERFIELD BEACH, FL 33442 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| MORFAR STRATEGIES INC3 | 11038 MAINSAIL DR HOLLYWOOD, FL 33026 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $767 | — | $767 | 8.98% |
| FIDELITY INSURANCE AGENCY INC3 Filed as: FIDELITY INSURANCE AGENCY | 500 JIM MORAN BLVD FIADF107 DEERFIELD BEACH, FL 33442 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $682 | — | $682 | 7.99% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $598 | — | $598 | 14.98% |
| FIDELITY INSURANCE AGENCY INC3 Filed as: FIDELITY INSURANCE AGENCY | 500 JIM MORAN BLVD FIADF107 DEERFIELD BEACH, FL 33442 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $319 | — | $319 | 7.99% |
| GAN NAU4 | 124 N TORWOOD DR ST JOHNS, FL 32259 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $321 | — | $321 | 24.43% |
| FIDELITY INSURANCE AGENCY INC4 | 500 JIM MORAN BLVD FIADF #107 DEERFIELD BEACH, FL 33442 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $49 | — | $49 | 3.73% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $92 | — | $92 | 8.98% |
| FIDELITY INSURANCE AGENCY INC3 Filed as: FIDELITY INSURANCE AGENCY | 500 JIM MORAN BLVD FIADF107 DEERFIELD BEACH, FL 33442 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $82 | — | $82 | 8.01% |
| MEGAN NAU4 | 124 N TORWOOD DR ST JOHNS, FL 32259 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $166 | — | $166 | 20.57% |
| FIDELITY INSURANCE AGENCY INC4 | 500 JIM MORAN BLVD FIADF #107 DEERFIELD BEACH, FL 33442 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $144 | — | $144 | 17.84% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $50 | — | $50 | 8.96% |
| FIDELITY INSURANCE AGENCY INC3 Filed as: FIDELITY INSURANCE AGENCY | 500 JIM MORAN BLVD FIADF107 DEERFIELD BEACH, FL 33442 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $45 | — | $45 | 8.06% |
| FIDELITY INSURANCE AGENCY INC4 | 500 JIM MORAN BLVD FIADF #107 DEERFIELD BEACH, FL 33442 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $61 | — | $61 | 24.02% |
| MEGAN NAU4 | 124 N TORWOOD DR ST JOHNS, FL 32259 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $50 | — | $50 | 19.69% |
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 | 194 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 126 | $871K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 194 | $70K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 194 | $70K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 194 | $100K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 72 | $22K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 37 | $23K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 126 | $871K |
| Other(9 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 194 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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."
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.