| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62689 VIRGINIA BEACH, VA 23466 | BLUE CROSS BLUE SHIELD OF FLORIDA | $71K | — | $71K | 4.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 1201 WEST CYPRESS CREEK ROAD SUITE 130 FORT LAUDERDALE, FL 33309 | BLUE CROSS BLUE SHIELD OF FLORIDA | $33K | — | $33K | 1.91% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1301 GERVAIS STREET, SUITE 500 COLUMBIA, SC 29201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 8.32% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LAKE LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $8K | $19K | 7.12% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62689 VIRGINIA BEACH, VA 23466 | BLUE CROSS BLUE SHIELD OF FLORIDA | $9K | — | $9K | 4.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 1201 WEST CYPRESS CREEK ROAD SUITE 130 FORT LAUDERDALE, FL 33309 | BLUE CROSS BLUE SHIELD OF FLORIDA | $5K | — | $5K | 1.97% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 1201 WEST CYPRESS CREEK ROAD FORT LAUDERDALE, FL 33309 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 9.15% |
| CREATIVE BENEFIT CONSULTANTS INC3 Filed as: CREATIVE BENEFIT CONSULTANTS, INC. | 18214 102ND WAY SOUTH BOCA RATON, FL 33498 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $798 | $3K | 8.81% |
| ROBERT DUFFY HEDGES3 | 411 DEER CREEK RUN DEERFIELD BEACH, FL 33442 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.17% |
| CANDICE KLEE3 | 2760 NE 16TH AVENUE POMPANO BEACH, FL 33064 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $214 | $22 | $236 | 0.72% |
| JOSEPH A STALTARE3 Filed as: JOSEPH A. SALTARE | 22349 SW 56 AVENUE, SUITE 1008 BOCA RATON, FL 33428 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $73 | $10 | $83 | 0.25% |
| ANTHONY SANTINI3 | 5215 NORTH DIXIE HIGH OAKLAND PARK, FL 33334 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $59 | — | $59 | 0.18% |
| STEADMAN FERGUSON AND VARIOUS AGENT3 | 6232 FLORES DEL MAR MARGATE, FL 33063 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $52 | — | $52 | 0.16% |
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 | 231 | 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) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 171 | $2.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 231 | $266K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 231 | $266K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 231 | $266K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 231 | $266K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 231 | $266K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 171 | $2.0M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 231 | $298K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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.