| 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. | $59K | — | $59K | 6.00% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA THE BERENGUER GROU | 104 CRANDON BLVD SUITE 309 KEY BISCAYNE, FL 33149 | HUMANA INSURANCE COMPANY | $12K | — | $12K | 9.92% |
| J.M. BERENGUER & ASSOCIATES INC3 Filed as: THE BERENGUER GROUP | 104 CRANDON BLVD STE 309 KEY BISCAYNE, FL 33149 | TRANSAMERICA INSURANCE CO. | $19K | — | $19K | 18.05% |
| EXCELSIOR BENEFITS LLC3 | 441 2ND STREET EXCELSIOR, MN 55331 | TRANSAMERICA INSURANCE CO. | $16K | — | $16K | 15.04% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. | $14K | — | $14K | 13.35% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO. | $4K | — | $4K | 3.95% |
| ACRISURE LLC3 | DBA THE BERENGUER GROUP KEY BISCAYNE, FL 33146 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $3K | $9K | 12.54% |
| JANET IBANEZ3 | 17501 SW 92 CT PALMETTO BAY, FL 33157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 7.31% |
| WENDOLYN ISOLA3 | 9271 CARIBBEAN BLVD CUTLER BAY, FL 33157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $3K | $5K | 7.11% |
| CHERYL ANN HERNANDEZ3 | 833 SW CURRY STREET PORT ST. LUCIE, FL 34983 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $704 | $2K | 2.57% |
| MARIA E GADEA3 Filed as: MARIA ELIZABETH GADEA | 5921 SW 32ND ST MIAMI, FL 33155 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $891 | $323 | $1K | 1.62% |
| ACRIALPS LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $948 | $156 | $1K | 1.47% |
| GEOVANNY ENCARNACION3 | 11754 NW 1ST ST CORAL SPRINGS, FL 33071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $713 | — | $713 | 0.95% |
| MARIROSY GONZALEZ3 | 2200 SW 4TH AVE MIAMI, FL 33129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $359 | $47 | $406 | 0.54% |
| EPIC3 Filed as: EPIC SOLUTIONS ENTERPRISE | 132 SW 113TH AVE MIAMI, FL 33174 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $185 | $56 | $241 | 0.32% |
| JENNIFER ROMO3 Filed as: JENNIFER ROMO-VALDES | 841 E 18TH ST HIALEAH, FL 33013 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $230 | — | $230 | 0.31% |
| KARLA ALEXANDER3 | 3524 OBRON LN N LAS VEGAS, NV 89032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $204 | $15 | $219 | 0.29% |
| CHERYL JONETTE GAILEY3 | 57 CHRYSANTHEMUM DRIVE ORMOND BEACH, FL 32174 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $125 | — | $125 | 0.17% |
| ROGER HUGH JONES3 | 10524 IBIS RESERVE CIR WEST PALM BEACH, FL 33412 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $66 | $82 | 0.11% |
| VIP INSURANCE INC3 | 18 STONEMARK DR HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | $10 | $74 | 0.10% |
| CHELSEA L WARE LLC3 | 233 W 21ST ST NEW YORK, NY 10011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | — | $67 | 0.09% |
| VELINDA S RING3 | 4209 NEW HAVEN COURT PORT ORANGE, FL 32127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.04% |
| SHAWNEENA MERCADO OVERLY3 | 3958 PARKER FERRY FORT MILL, SC 29715 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| THE MEEHAN AGENCY LLC3 | 1924 DOWN HOLLOW LN WINDERMERE, FL 34786 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.00% |
| TROY FOX3 | 2910 MAGUIRE ROAD OCOEE, FL 34761 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| 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 | $278 | $5K | 18.18% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA THE BERENGUER GRP | 104 CRANDON BLVD STE 309 KEY BISCAYNE, FL 33149 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 13.86% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA GARCEAU INS AGY | PO BOX 1788 GRAND RAPIDS, MI 49501 | METROPOLITAN LIFE INSURANCE COMPANY | — | $26 | $26 | 0.09% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA THE BERENGUER GROU | 104 CRANDON BLVD SUITE 309 KEY BISCAYNE, FL 33149 | COMPBENEFITS COMPANY | $912 | — | $912 | 10.00% |
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 | 96 | 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) | 96 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA MEDICAL PLAN, INC. | 107 | $1.1M |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 156 | $127K |
| Vision | HUMANA INSURANCE COMPANY | 156 | $118K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 96 | $29K |
| Prescription drug | HUMANA MEDICAL PLAN, INC. | 107 | $977K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 96 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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.