| 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 | $66K | — | $66K | 5.00% |
| 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 | $4K | — | $4K | 5.61% |
| FIDELITY INSURANCE AGENCY INC3 | 500 JIM MORAN BLVD DEERFIELD BEACH, FL 33442 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| MORFAR STRATEGIES INC3 | 10380 NW 52ND ST CORAL SPRINGS, FL 33076 | 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 | $6K | — | $6K | 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 Filed as: FIDELITY INSURANCE AGENCY, INC | 500 JIM MORAN BLVD DEERFIELD BEACH, FL 334421723 | BLUE CROSS BLUE SHIELD OF FLORIDA | $1K | — | $1K | 5.00% |
| FIDELITY INSURANCE AGENCY INC3 | 500 JIM MORAN BLVD FIADF #107 DEERFIELD BEACH, FL 33442 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| MORFAR STRATEGIES INC3 | 11038 MAINSAIL DR HOLLYWOOD, FL 33026 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| NATIONAL AGENCY SOLUTIONS LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $527 | — | $527 | 9.99% |
| FIDELITY INSURANCE AGENCY INC3 Filed as: FIDELITY INSURANCE AGENCY | 500 JIM MORAN BLVD FIADF107 DEERFIELD BEACH, FL 33442 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $422 | — | $422 | 8.00% |
| NATIONAL AGENCY SOLUTIONS LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $523 | — | $523 | 9.99% |
| FIDELITY INSURANCE AGENCY INC3 Filed as: FIDELITY INSURANCE AGENCY | 500 JIM MORAN BLVD FIADF107 DEERFIELD BEACH, FL 33442 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $418 | — | $418 | 7.98% |
| NATIONAL AGENCY SOLUTIONS LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $397 | — | $397 | 10.01% |
| FIDELITY INSURANCE AGENCY INC3 Filed as: FIDELITY INSURANCE AGENCY | 500 JIM MORAN BLVD FIADF107 DEERFIELD BEACH, FL 33442 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $317 | — | $317 | 7.99% |
| NATIONAL AGENCY SOLUTIONS LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $371 | — | $371 | 9.99% |
| FIDELITY INSURANCE AGENCY INC3 Filed as: FIDELITY INSURANCE AGENCY | 500 JIM MORAN BLVD FIADF107 DEERFIELD BEACH, FL 33442 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $297 | — | $297 | 8.00% |
| FIDELITY INSURANCE AGENCY INC4 | 500 JIM MORAN BLVD FIADF #107 DEERFIELD BEACH, FL 33442 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $79 | — | $79 | 15.02% |
| MARKS ANDRE A4 | 329 OKAMATO ST RALEIGH, NC 27603 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $29 | — | $29 | 5.51% |
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 | 134 | 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) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 138 | $1.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 134 | $74K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 134 | $74K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 134 | $115K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 69 | $25K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 36 | $39K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 138 | $1.3M |
| Other(7 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 134 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.