| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | UNITEDHEALTHCARE INSURANCE COMPANY | $28K | $265K | $294K | 5.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $14K | $14K | 0.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 592 WINNEBAGO, IL 61088 | SUN LIFE ASSURANCE COMPANY OF CANADA | $21K | — | $21K | 14.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2345 GRAND BOULEVARD, SUITE 400 KANSAS CITY, MO 64108 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $5K | $5K | 3.39% |
| ROBERT J POLEO3 Filed as: ROBERT A. NUNO | 201 ALHAMBRA CIRCLE, SUITE 703 CORAL GABLES, FL 33134 | NORTHWESTERN MUTUAL | $4K | $964 | $5K | 3.89% |
| JANET GONZALEZ3 | 201 ALHAMBRA CIRCLE, SUITE 703 CORAL GABLES, FL 33134 | NORTHWESTERN MUTUAL | $1K | $283 | $2K | 1.26% |
| ROBERT J POLEO3 Filed as: ROBERT J. POLEO | 201 ALHAMBRA CIRCLE, SUITE 703 CORAL GABLES, FL 33134 | NORTHWESTERN MUTUAL | $806 | $191 | $997 | 0.83% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GROUP, LLC | 500 EAST BROWARD BOULEVARD FORT LAUDERDALE, FL 33394 | NORTHWESTERN MUTUAL | $715 | $63 | $778 | 0.65% |
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 | 774 | 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) | 774 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,123 | $5.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,123 | $5.1M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,123 | $5.1M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 774 | $150K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 774 | $150K |
| Long-term disability | NORTHWESTERN MUTUAL | 774 | $120K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 1,123 | $5.1M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 774 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,123 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.