| 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) | $192K | — | $192K | 4.92% |
| VARIOUS - SEE ATTACHED3 | 10 FAIRWAY DRIVE DEERFIELD BEACH, FL 33441 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13K | $820 | $14K | 12.13% |
| CONSOLIDATED INSURANCE GROUP INC3 Filed as: CONSOLIDATED INSURANCE GR | 10 FAIRWAY DRIVE SUITE 201 DEERFIELD BEACH, FL 33441 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 9.13% |
| CONSOLIDATED INSURANCE GROUP INC3 Filed as: CONSOLIDATED INSURANCE GROUP | 10 FAIRWAY DRIVE SUITE 201 DEERFIELD BEACH, FL 33441 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 9.21% |
| CONSOLIDATED INSURANCE GROUP INC3 Filed as: CONSOLIDATED INSURANCE GROUP | 10 FAIRWAY DRIVE SUITE 201 DEERFIELD BEACH, FL 33441 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $778 | — | $778 | 8.41% |
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 | 354 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 362 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 907 | $3.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 907 | $3.9M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 907 | $3.9M |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 141 | $191K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 354 | $9K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 414 | $97K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 907 | $3.9M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 414 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 907 | — |
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.