| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC. | 2399 HWY 34 SOUTH UNIT C2 MANASQUAN, NJ 08736 | TRANSAMERICA LIFE INSURANCE COMPANY | $40K | — | $40K | 13.95% |
| SEMINOLE PRODUCT DISTRIBUTORS INC3 Filed as: SEMINOLE PRODUCT DISTRIBUTORS, INC. | 3011 NORTHWEST 63 AVE. HOLLYWOOD, FL 33024 | TRANSAMERICA LIFE INSURANCE COMPANY | $39K | — | $39K | 13.73% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - MIAMI | PO BOX 905494 CHARLOTTE, NC 282905494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 1.25% |
| SEMINOLE PRODUCT DISTRIBUTORS INC3 Filed as: SEMINOLE PRODUCT DISTRIBUTORS, INC. | 3011 NORTHWEST 63RD AVE. HOLLYWOOD, FL 33024 | METLIFE LEGAL PLANS OF FLORIDA | $1K | — | $1K | 10.04% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC. | 300 N. BEACH STREET DAYTONA, FL 32114 | METLIFE LEGAL PLANS OF FLORIDA | — | $461 | $461 | 3.95% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 220 S. RIDGEWOOD AVENUE DAYTONA BEACH, FL 32114 | METLIFE LEGAL PLANS OF FLORIDA | — | $68 | $68 | 0.58% |
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 | 1,152 | 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) | 1,152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRANSAMERICA LIFE INSURANCE COMPANY | 846 | $287K |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,356 | $380K |
| Vision | VISION SERVICE PLAN | 772 | $59K |
| Life insurance(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 1,168 | $507K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,291 | $3.3M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,168 | $220K |
| Other(6 contracts, 6 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 3,339 | $588K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,339 | — |
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.