| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | BLUE CROSS BLUE SHIELD OF FLORIDA | $75K | $0 | $75K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $2K | $18K | 11.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MATSONFORD ROAD 4 RADNOR CORP. CENTER, SUITE 510 RADNOR, PA 19087 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $19 | $19 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $737 | $7 | $744 | 4.77% |
| MORFAR STRATEGIES INC3 Filed as: MORFAR STRATEGIES, INC. | 6990 GRIFFIN ROAD DAVIE, FL 33314 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $269 | $89 | $358 | 2.30% |
| KYLE RUSSEY3 | 14385 NW 15TH STREET PEMBROKE PINES, FL 33028 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $155 | $32 | $187 | 1.20% |
| LISA M RUSSEY3 Filed as: LISA M. RUSSEY | 6990 GRIFFIN ROAD DAVIE, FL 33314 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $127 | $25 | $152 | 0.97% |
| MJ INSURANCE3 Filed as: STALTARE BENEFIT AND VARIOUS AGENTS | 1172 SE 3RD TERRACE DEERFIELD BEACH, FL 33441 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $115 | $28 | $143 | 0.92% |
| JUAN DAVID FRANCO3 | 160 HIBISCUS STREET TAVERNIER, FL 33070 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $129 | $0 | $129 | 0.83% |
| BENJAMIN DARANG3 | 2901 NW 48 AVENUE, SUITE 167 LAUDERDALE LAKES, FL 33313 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $115 | $0 | $115 | 0.74% |
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 | 104 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 107 | 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 | 358 | $161K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 358 | $161K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 358 | $177K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 358 | $161K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 358 | $161K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 107 | $1.5M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 358 | $177K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 358 | — |
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.