| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 141916 CORAL GABLES, FL 33114 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $39K | $39K | 4.72% |
| USI INSURANCE SERVICES LLC3 | 1301 GERVAIS STREET, SUITE 500 COLUMBIA, SC 29201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $23K | $9K | $32K | 16.77% |
| USI INSURANCE SERVICES LLC3 | PO BOX 141916 CORAL GABLES, FL 33114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | $0 | $6K | 11.62% |
| ROBERT M GLASS CORP3 Filed as: ROBERT M. GLASS | 1600 SOUTH FEDERAL HIGHWAY SUITE 801-D POMPANO BEACH, FL 33062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.26% |
| MICHELLE LAMPERT3 | 4611 NORTH FEDERAL HIGHWAY APARTMENT 401 POMPANO BEACH, FL 33063 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.20% |
| NESTOR URIBE3 | PO BOX 294082 BOCA RATON, FL 33432 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.41% |
| RAMON J FRIAS INC3 Filed as: RAMON J. FRIAS, INC. | 1611 NW 102ND DRIVE CORAL SPRINGS, FL 33071 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $763 | $0 | $763 | 1.58% |
| VOLUNTARY INS GROUP INC3 Filed as: VOLUNTARY INSURANCE GROUP, INC. | 231 SW 63RD TERRACE PEMBROKE PINES, FL 33023 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $694 | $0 | $694 | 1.43% |
| MARIA E GADEA3 Filed as: MARIA MORALES | 8200 NW 41ST STREET, SUITE 200 DORAL, FL 33166 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $586 | $0 | $586 | 1.21% |
| FAINA INSURANCE AGENCY, INC.3 | 2643 NORTH HIATUS ROAD COOPER CITY, FL 33026 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $583 | $0 | $583 | 1.20% |
| HAROLD WILLIAM SCHUMAKER3 | 827 SUNRIDGE POINT DRIVE SEFFNER, FL 33584 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $270 | $0 | $270 | 0.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 600 CLEVELAND STREET, SUITE 600 CLEARWATER, FL 33755 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $221 | $0 | $221 | 0.46% |
| PETER J. BLESSIN3 | PO BOX 1376 SAFETY HARBOR, FL 34695 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $191 | $0 | $191 | 0.39% |
| LISA MARIE OTERO3 | 23230 ISLAND VIEW, SUITE F BOCA RATION, FL 33433 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $121 | $0 | $121 | 0.25% |
| MJ INSURANCE3 Filed as: STEVENS INSURANCE BROKERAGE | 24761 US HIGHWAY 19 NORTH SUITE 640 CLEARWATER, FL 33763 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $30 | $0 | $30 | 0.06% |
| ADOLFO KRANS ASSOCIATES, INC.3 | PO BOX 363614 SAN JUAN, PR 00936 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | $0 | $11 | 0.02% |
| GSA CARIBBEAN CORPORATION3 | PO BOX 367306 SAN JUAN, PR 00936 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | $0 | $5 | 0.01% |
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 | 162 | 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) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 144 | $817K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 162 | $192K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 162 | $192K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 162 | $241K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 162 | $192K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 162 | $192K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 144 | $817K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 162 | $241K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162 | — |
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.