| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA THE BERENGUER GROU | 104 CRANDON BLVD SUITE 309 KEY BISCAYNE, FL 33149 | HUMANA MEDICAL PLAN, INC. | $54K | $366 | $54K | 6.04% |
| J.M. BERENGUER & ASSOCIATES INC3 Filed as: J M BERENGUER & ASSOCIATES INC | 104 CRANDON BLVD SUITE 309 KEY BISCAYNE, FL 33149 | HUMANA MEDICAL PLAN, INC. | — | $766 | $766 | 0.09% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA THE BERENGUER GROU | 104 CRANDON BLVD SUITE 309 KEY BISCAYNE, FL 33149 | HUMANA INSURANCE COMPANY | $11K | — | $11K | 9.89% |
| J.M. BERENGUER & ASSOCIATES INC3 Filed as: J M BERENGUER & ASSOCIATES INC | 104 CRANDON BLVD SUITE 309 KEY BISCAYNE, FL 33149 | HUMANA INSURANCE COMPANY | — | $2K | $2K | 1.69% |
| ACRISURE LLC3 | DBA THE BERENGUER GROUP KEY BISCAYNE, FL 33146 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11K | $4K | $14K | 20.40% |
| JANET IBANEZ3 | 17501 SW 92 CT PALMETTO BAY, FL 33157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $4K | $8K | 11.45% |
| ACRIALPS LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $1K | $5K | 7.40% |
| WENDOLYN ISOLA3 | 9271 CARIBBEAN BLVD CUTLER BAY, FL 33157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $4K | 5.41% |
| GEOVANNY ENCARNACION3 | 11754 NW 1ST ST CORAL SPRINGS, FL 33071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 3.57% |
| CHERYL ANN HERNANDEZ3 | 833 SW CURRY STREET PORT ST. LUCIE, FL 34983 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $547 | $2K | 2.71% |
| CHETRA APARBAL3 | 536 W MELROSE CIRCLE FT. LUDERDALE, FL 33312 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $765 | — | $765 | 1.09% |
| KARLA ALEXANDER3 | 1612 EAGLE PEAK WAY LAS VEGAS, NV 89134 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $637 | $91 | $728 | 1.04% |
| SHAWNEENA MERCADO OVERLY3 | 3958 PARKER FERRY FORT MILL, SC 29715 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $530 | $150 | $680 | 0.97% |
| CHERYL JONETTE GAILEY3 | 57 CHRYSANTHEMUM DRIVE ORMOND BEACH, FL 32174 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $624 | — | $624 | 0.89% |
| MAGDA L OROZCO3 | 15807 SW 72 TER MIAMI, FL 33193 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $530 | — | $530 | 0.76% |
| CHELSEA L WARE LLC3 | C/O LASSITER WARE INC GRAND RAPIDS, MI 49501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $289 | — | $289 | 0.41% |
| VIP INSURANCE INC3 | 18 STONEMARK DR HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $222 | $53 | $275 | 0.39% |
| VELINDA S RING3 | 4209 NEW HAVEN COURT PORT ORANGE, FL 32127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $163 | $4 | $167 | 0.24% |
| THE MEEHAN AGENCY LLC3 | 1924 DOWN HOLLOW LN WINDERMERE, FL 34786 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $6 | $13 | 0.02% |
| TROY FOX3 | 2910 MAGUIRE ROAD OCOEE, FL 34761 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $5 | $12 | 0.02% |
| J.M. BERENGUER & ASSOCIATES INC3 Filed as: J M BERENGUER & ASSOCIATION | 104 CRANDON BLVD STE 309 KEY BISCAYNE, FL 33149 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 16.21% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA THE BERENGUER GROU | 104 CRANDON BLVD SUITE 309 KEY BISCAYNE, FL 33149 | COMPBENEFITS COMPANY | $809 | — | $809 | 9.96% |
| J.M. BERENGUER & ASSOCIATES INC3 Filed as: J M BERENGUER & ASSOCIATES INC | 104 CRANDON BLVD SUITE 309 KEY BISCAYNE, FL 33149 | COMPBENEFITS COMPANY | — | $245 | $245 | 3.02% |
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 | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA MEDICAL PLAN, INC. | 105 | $893K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 144 | $124K |
| Vision | HUMANA INSURANCE COMPANY | 144 | $116K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 111 | $30K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 111 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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.