| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AFINICA, LLC3 | PO BOX 9 ALTOONA, FL 32702 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $684K | $0 | $684K | 7.09% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $5K | $5K | 0.05% |
| EILEEN SANCHEZ MEDINA3 Filed as: EILEEN SANCHEZ-MEDINA | 5790 SW 51ST STREET MIAMI, FL 33155 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $148K | $0 | $148K | 10.00% |
| KATHRYN SHADEL3 | 3100 BLUFF LANE HILLSBOROUGH, NC 27278 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $2 | $0 | $2 | 0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, LLC | 41 MADISON AVENUE NEW YORK, NY 10010 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $2 | $0 | $2 | 0.00% |
| EILEEN SANCHEZ MEDINA3 Filed as: EILEEN SANCHEZ-MEDINA | 6100 SW 44 TERRACE MIAMI, FL 33155 | CONTINENTAL AMERICAN INSURANCE COMPANY | $683K | $0 | $683K | 84.39% |
| TOMAS E FLORES3 Filed as: TOMAS E. FLORES | 5711 JEFFERSON STREET APARTMENT 308 WEST NEW YORK, NJ 07093 | CONTINENTAL AMERICAN INSURANCE COMPANY | $75K | $0 | $75K | 9.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | CONTINENTAL AMERICAN INSURANCE COMPANY | $32K | $0 | $32K | 3.91% |
| BRETT ALAN BOOKER3 | 3200 TODDS ROAD, APARTMENT 314 LEXINGTON, KY 40509 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | $0 | $13K | 1.60% |
| MARIA C ORTIZ3 Filed as: MARIA CHRISTINA ORTIZ | 3530 EST GLENCOE STREET MIAMI, FL 33133 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 0.46% |
| ANA MARIA LEON3 | 5000 SW 65 AVENUE MIAMI, FL 33155 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 0.36% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSHERE CIRCLE CHICAGO, IL 60674 | CONTINENTAL AMERICAN INSURANCE COMPANY | $55 | $0 | $55 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2255 GLADES ROAD, SUITE 240W BOCA RATON, FL 33134 | DELTA DENTAL INSURANCE COMPANY | $25K | — | $25K | 3.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | LEGAL CLUB | $111K | $0 | $111K | 30.48% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LEGAL CLUB | $6K | $0 | $6K | 1.54% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | UNKNOWN CORAL GABLES, FL 33134 | LEGAL CLUB | $1K | $0 | $1K | 0.35% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | UNKNOWN CORAL GABLES, FL 33134 | LEGAL CLUB | $801 | $0 | $801 | 0.22% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | UNKNOWN CORAL GABLES, FL 33134 | LEGAL CLUB | $762 | $0 | $762 | 0.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2056 VISATA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | PREFERRED LEGAL PLAN | $8K | $0 | $8K | 18.61% |
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 | 23,974 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 146 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2,374 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 26,494 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 3,269 | $647K |
| Vision | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | 16,710 | $1.5M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 23,973 | $9.6M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 23,973 | $9.6M |
| Other(5 contracts, 5 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 23,973 | $11.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 23,973 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.