| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONSOLIDATED INSURANCE GROUP INC3 | 10 FAIRWAY SR STE 303 DEERFIELD BEACH, FL 334411801 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $109K | — | $109K | 4.38% |
| CONSOLIDATED INSURANCE GROUP INC3 Filed as: CONSOLIDATED INSURANCE GROUP INC. | 10 FAIRWAY DR. STE. 201 DEERFIELD BEACH, FL 334411827 | METROPOLITAN LIFE INSURANCE COMPANY | $38K | — | $38K | 8.53% |
| SEE ATTACHED LIST3 | 10 FAIRWAY DRIVE DEERFIELD BEACH, FL 33441 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16K | $347 | $16K | 14.05% |
| CONSOLIDATED INSURANCE GROUP INC3 | 10 FAIRWAY DRIVE SUITE 201 DEERFIELD BEACH, FL 33441 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $2K | — | $2K | 8.05% |
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 | 289 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 717 | $2.5M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 615 | $474K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 615 | $446K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 615 | $559K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 615 | $446K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 615 | $446K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 717 | $2.5M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 615 | $446K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 717 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.