| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AFINCA LLC3 Filed as: AFINCA, LLC | PO BOX 9 ALTOONA, FL 32702 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $592K | — | $592K | 7.59% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $4K | $4K | 0.05% |
| EILEEN SANCHEZ MEDINA3 Filed as: EILEEN SANCHEZ-MEDINA | 6100 SW 44 TERRANCE MIAMI, FL 33155 | CONTINENTAL AMERICAN INSURANCE COMPANY | $512K | $0 | $512K | 30.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2081 VISTA PARKWAY SUITE 300 WEST PALM BEACH, FL 33411 | CONTINENTAL AMERICAN INSURANCE COMPANY | $234K | $0 | $234K | 14.00% |
| ANA MARIA LEON3 Filed as: ANA M. LEON | 7400 SW 50 TERRACE, SUITE 300 MIAMA, FL 33155 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30K | $0 | $30K | 1.78% |
| MARIA C ORTIZ3 Filed as: MARIA C. ORTIZ | 6100 SW 44 TERRANCE MIAMI, FL 33155 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 0.48% |
| BRETT ALAN BOOKER3 | 4390 CLEARWATER WAY, SUITE 1505 LEXINGTON, KY 40515 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 0.29% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$374 | $0 | -$374 | -0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $75K | $0 | $75K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | DELTA DENTAL INSURANCE COMPANY | $20K | $0 | $20K | 3.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | LEGAL CLUB | $48K | $0 | $48K | 16.51% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LEGAL CLUB | $11K | $0 | $11K | 3.79% |
| USI INSURANCE SERVICES LLC3 | UNKNOWN CORAL GABLES, FL 33134 | LEGAL CLUB | $1K | $0 | $1K | 0.46% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | UNKNOWN CORAL GABLES, FL 33134 | LEGAL CLUB | $655 | $0 | $655 | 0.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | PREFERRED LEGAL PLAN | $7K | $0 | $7K | 19.84% |
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 | 19,900 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 166 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2,234 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 22,300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 2,498 | $525K |
| Vision | VISION SERVICE PLAN | 10,446 | $1.5M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 19,900 | $7.8M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 19,900 | $7.8M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 19,900 | $7.8M |
| Other(5 contracts, 5 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 19,992 | $10.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 19,992 | — |
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.