| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 2400 EAST COMMERICAL BOULEVARD SUITE 600 FORT LAUDERDALE, FL 33308 | BLUE CROSS BLUE SHIELD OF FLORIDA | $82K | — | $82K | 6.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FLORIDA | 240 SOUTH PINEAPPLE AVENUE SUITE 301 SARASOTA, FL 34236 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $23K | $6K | $29K | 14.97% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FLORIDA | 220 SOUTH RIDGEWOOD AVENUE SUITE 500 DAYTONA BEACH, FL 32114 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.55% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 2400 EAST COMMERCIAL BOULEVARD SUITE 600 FORT LAUDERDALE, FL 33308 | HEALTH OPTIONS | $9K | — | $9K | 6.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 1201 WEST CYPRESS CREEK ROAD FORT LAUDERDALE, FL 33309 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $1K | $11K | 23.01% |
| CREATIVE BENEFIT CONSULTANTS INC3 Filed as: CREATIVE BENEFIT CONSULTANTS, INC. | 18214 102ND WAY SOUTH BOCA RATON, FL 33498 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $2K | $7K | 14.99% |
| ROBERT DUFFY HEDGES3 | 411 DEER CREEK RUN DEERFIELD BEACH, FL 33442 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 5.79% |
| ANTHONY SANTINI3 | 5215 NORTH DIXIE HIGH OAKLAND PARK, FL 33334 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $991 | — | $991 | 1.99% |
| STEADMAN FERGUSON AND VARIOUS AGENT3 Filed as: STEADMAN FERGUSON AND OTHER AGENTS | 6232 FLORES DEL MAR MARGATE, FL 33063 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $932 | $6 | $938 | 1.89% |
| CANDICE KLEE3 | 2201 NE 39TH STREET LIGHTHOUSE POINT, FL 33064 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $854 | $55 | $909 | 1.83% |
| JOSEPH A STALTARE3 Filed as: JOSEPH ANTHONY STALTARE | 247 NUGENT AVENUE FORT LAUDERDALE, FL 33312 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $508 | $34 | $542 | 1.09% |
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 | 198 | 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) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 149 | $1.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 198 | $191K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 198 | $191K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 198 | $191K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 198 | $191K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 198 | $191K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 149 | $1.5M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 198 | $241K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.