| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 100 NE 3RD AVENUE, SUITE 600 FORT LAUDERDALE, FL 33301 | HEALTH OPTIONS, INC. | $53K | — | $53K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 100 NE 3RD AVENUE, SUITE 600 FORT LAUDERDALE, FL 33301 | BLUE CROSS BLUE SHIELD OF FLORIDA | $32K | — | $32K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 201629 DALLAS, TX 75320 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $30K | — | $30K | 12.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 301 SOUTH COLLEGE STREET CHARLOTTE, NC 28202 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17K | — | $17K | 8.01% |
| EMPLOYER'S BENEFIT PLANNING3 Filed as: EMPLOYER BNFT. PLAN GRP. AND AGENTS | 8385 NW 157 TERRACE MIAMI LAKES, FL 33016 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15K | $1K | $16K | 7.65% |
| IRENE SHULGIN3 | 10746 SOUTH SARATOGA DRIVE HOLLYWOOD, FL 33026 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $2K | $11K | 5.20% |
| MIS BENEFITS CONSULTANTS INC3 Filed as: MIS BENEFITS CONSULTANTS, INC. | 10746 SOUTH SARATOGA DRIVE HOLLYWOOD, FL 33026 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $779 | $11K | 5.04% |
| MICHAEL MARSHALL3 | 1134 SE 6TH COURT DANIA BEACH, FL 33004 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $1K | $6K | 2.76% |
| STEPHANIE SHEPPA3 | 3687 IMPERIAL RIDGE PARKWAY PALM HARBOR, FL 34684 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $794 | $4K | 2.13% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 200 WEST CYPRESS CREEK ROAD FORT LAUDERDALE, FL 33309 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $276 | $4K | 2.10% |
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 | 385 | 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) | 385 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HEALTH OPTIONS, INC. | 237 | $1.9M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 385 | $237K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 385 | $237K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 385 | $237K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 385 | $237K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 385 | $237K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 212 | $1.7M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 385 | $237K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 385 | — |
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.