| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONSOLIDATED INSURANCE GROUP INC3 | 10 FAIRWAY DR STE 201 DEERFIELD BEACH, FL 33441 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 11.10% |
| CONSOLIDATED INSURANCE GROUP INC3 | 10 FAIRWAY DR STE 201 DEERFIELD BEACH, FL 33441 | SAFEGUARD HEALTH PLANS, INC. A FLORIDA CORPORATION | $3K | — | $3K | 15.13% |
| MARC ZUMTOBEL3 | 10 FAIRWAY DRIVE STE 201 DEERFIELD BEACH, FL 33441 | SAFEGUARD HEALTH PLANS INC | $426 | — | $426 | 10.10% |
| MARC ZUMTOBEL3 | 10 FAIRWAY DR STE 201 DEERFIELD BEACH, FL 33441 | SAFEGUARD HEALTH PLANS INC | $260 | — | $260 | 10.35% |
| MARC ZUMTOBEL3 | 10 FAIRWAY DRIVE STE 201 DEERFIELD BEACH, FL 33441 | SAFEGUARD HEALTH PLANS INC | $123 | — | $123 | 9.88% |
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 | 196 | 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) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 214 | $49K |
| Vision(3 contracts) | SAFEGUARD HEALTH PLANS INC | 62 | $8K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 214 | $30K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 214 | $30K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 214 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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.