| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2081 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | $162K | $173K | 7.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8333 NW 53RD STREET, SUITE 600 MIAMI, FL 33166 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $927 | $927 | 0.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2081 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $24K | $6K | $30K | 18.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2081 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $25 | $1K | 5.80% |
| STALTARE BENEFITS INC3 Filed as: STALTARE BENEFITS, INC. | 700 EAST ATLANTIC BOULEVARD POMPANO BEACH, FL 33060 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $689 | $167 | $856 | 4.46% |
| MJ INSURANCE3 Filed as: CANDICE KLEE AND VARIOUS AGENTS | 2201 NE 39TH STREET LIGHTHOUSE POINT, FL 33064 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $493 | $68 | $561 | 2.92% |
| HOWARD HOROWITZ3 | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $125 | $46 | $171 | 0.89% |
| KYLE RUSSEY3 | 6921 EAST WEDGEWOOD AVENUE DAVIE, FL 33331 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $52 | $72 | $124 | 0.65% |
| ROBERT HYLTON3 | 6287 GARRETT STREET JUPITER, FL 33458 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $119 | — | $119 | 0.62% |
| JADE COMPANIES LLC3 Filed as: JADE ALEXANDRA DAVIS | 215 CENTRAL AVENUE, SUITE 3H SAINT PETERSBURG, FL 33701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $84 | $22 | $106 | 0.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2081 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | FEDERAL INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $249 | — | $249 | 15.00% |
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 | 205 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 265 | $2.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 265 | $2.5M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 204 | $160K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 204 | $160K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 204 | $160K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 265 | $2.5M |
| Other(4 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 204 | $188K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.