| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRANK H FURMAN INC3 Filed as: FRANK H FURMAN, INC. | 1314 E ATLANTIC BLVD POMPANO BEACH, FL 33060 | BLUE CROSS BLUE SHIELD OF FLORIDA | $30K | — | $30K | 5.00% |
| FRANK H FURMAN INC3 Filed as: FRANK H FURMAN, INC. | 1314 E ATLANTIC BLVD POMPANO BEACH, FL 33060 | BLUE CROSS BLUE SHIELD OF FLORIDA | $13K | — | $13K | 5.00% |
| FRANK H FURMAN INC3 Filed as: FRANK H. FURMAN, INC. | 1314 E. ATLANTIC BLVD. POMPANO BEACH, FL 33060 | DELTA DENTAL INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| FRANK H FURMAN INC3 | 1314 E ATLANTIC BLVD POMPANO BEACH, FL 830606745 | FLORIDA COMBINED LIFE | $3K | — | $3K | 15.09% |
| FRANK H FURMAN INC3 Filed as: FRANK H. FURMAN, INC. | 1314 E. ATLANTIC BLVD. POMPANO BEACH, FL 33060 | DELTA DENTAL INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| FRANK H FURMAN INC3 Filed as: FRANK H. FURMAN, INC. | 1314 EAST ATLANTIC BLVD. POMPANO BEACH, FL 33060 | ADVANTICA REINSURANCE COMPANY | $662 | — | $662 | 9.94% |
| FRANK H FURMAN INC3 Filed as: FRANK H. FURMAN, INC. | 1314 E. ATLANTIC BLVD. POMPANO BEACH, FL 33060 | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | $506 | — | $506 | 11.11% |
| FRANK H FURMAN INC3 Filed as: FRANK H. FURMAN, INC | 1314 EAST ATLANTIC BLVD POMPANO BEACH, FL 33060 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $324 | — | $324 | 10.01% |
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 | 116 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 99 | $850K |
| Dental(2 contracts) | DELTA DENTAL INSURANCE COMPANY | 126 | $53K |
| Vision(2 contracts, 2 carriers) | ADVANTICA REINSURANCE COMPANY | 160 | $10K |
| Life insurance(2 contracts, 2 carriers) | FLORIDA COMBINED LIFE | 108 | $26K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 99 | $850K |
| Other(2 contracts, 2 carriers) | FLORIDA COMBINED LIFE | 108 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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.