| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2081 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | BLUE CROSS BLUE SHIELD OF FLORIDA | $102K | — | $102K | 7.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $41 | $16K | 10.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2081 VISTA PARKWAY WEST PALM BEACH, FL 33411 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $290 | $5K | 26.21% |
| MORFAR STRATEGIES INC3 Filed as: MORFAR STRATEGIES, INC. | 6990 GRIFIN ROAD DAVIE, FL 33314 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $825 | $2K | 9.59% |
| KYLE RUSSEY3 | 6921 EAST WEDGEWOOD AVENUE DAVIE, FL 33331 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $734 | $1K | $2K | 8.91% |
| BENJAMIN DARANG3 | 2901 NW 48TH AVENUE APARTMENT 167 LAUDERDALE LAKES, FL 33313 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $92 | $2K | 7.76% |
| RONNIE BORAKS INSURANCE SOLUTIONS I3 Filed as: RONNIE BORAKS INS. AND OTHER AGENTS | 10695 SAN BERNARDINO WAY BOCA RATON, FL 33428 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $53 | $1K | 5.75% |
| LISA M RUSSEY3 Filed as: LISA M. RUSSEY | 6990 GRIFFIN ROAD DAVIE, FL 33314 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $659 | $228 | $887 | 4.25% |
| PEACOCK FINANCIALS INC3 Filed as: PEACOCK FINANCIALS, INC. | 6990 GRIFFIN ROAD DAVIE, FL 33313 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $128 | $115 | $243 | 1.17% |
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 | 150 | 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) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 107 | $1.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 353 | $157K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 353 | $157K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 353 | $178K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 353 | $157K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 353 | $157K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 107 | $1.5M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 353 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 353 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.