| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 104 CRANDON BLVD STE 309 KEY BISCAYNE, FL 33149 | UNITEDHEALTHCARE INSURANCE COMPANY | $17K | $95K | $112K | 6.12% |
| J.M. BERENGUER & ASSOCIATES INC3 Filed as: JM BERENGUER & ASSOCIATES | 104 CRANDON BLVD KEY BISCAYNE, FL 33149 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $10K | $10K | 0.56% |
| J.M. BERENGUER & ASSOCIATES INC3 Filed as: JM BERENGUER & ASSOCIATES | 104 CRANDON BLVD STE 309 KEY BISCAYNE, FL 33149 | UNITEDHEALTHCARE INSURANCE COMPANY | -$8K | $8K | $11 | 0.00% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA THE BERENGUER | GROUP 104 CRANDON BLVD. STE. 309 KEY BISCAYNE, FL 33149 | PROSPERITY LIFE GROUP | $42K | — | $42K | 12.00% |
| ACRISURE LLC3 | 104 CRANDON BLVD SUITE 309 KEY BISCAYNE, FL 33149 | HARTFORD LIFE AND ACCIDENT | $13K | — | $13K | 14.60% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 2.93% |
| ACRISURE LLC3 | DBA THE BERENGUER GROUP KEY BISCAYNE, FL 33146 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $705 | $15 | $720 | 3.96% |
| JANET IBANEZ3 | 17501 SW 92 CT PALMETTO BAY, FL 33157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $461 | $31 | $492 | 2.71% |
| CHRISTINA BIEBER3 | 12827 WOODMILL DRIVE PALM BEACH GARDENS, FL 33418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $208 | — | $208 | 1.14% |
| WENDOLYN ISOLA3 | 9271 CARIBBEAN BLVD CUTLER BAY, FL 33157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $140 | $17 | $157 | 0.86% |
| MIS BENEFITS CONSULTANTS INC3 | 1800 PURDY AVE APT 1415 MIAMI BEACH, FL 33139 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $134 | — | $134 | 0.74% |
| CHERYL ANN HERNANDEZ3 | 833 SW CURRY STREET PORT ST. LUCIE, FL 34983 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $4 | $27 | 0.15% |
| IRENE SHULGIN3 | 10400 BUENOS AIRES ST COOPER CITY, FL 33026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.09% |
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 | 409 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 410 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 409 | $1.8M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 145 | $90K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 145 | $90K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 145 | $90K |
| Other(3 contracts, 3 carriers) | PROSPERITY LIFE GROUP | 210 | $459K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 409 | — |
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.