| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADAMS BENEFIT CORPORATION3 | 600 CORPORATE DRIVE SUITE 650 FORT LAUDERDALE, FL 33334 | CONTINENTAL AMERICAN INSURANCE COMPANY | $181K | $0 | $181K | 35.12% |
| ANNA ELIZABETH INC3 Filed as: ANNA ELIZABETH INC. | 2821 N OCEAN BLVD APT 305 FORT LAUDERDALE, FL 33308 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15K | $0 | $15K | 2.82% |
| JV FLORIDA INSURANCE CORP3 | 2821 N OCEAN BLVD UNIT 305 FORT LAUDERDALE, FL 33308 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | $0 | $12K | 2.42% |
| ANNA ELIZABETH INC3 Filed as: ANNA ELIZABETH RECCHIA | 2821 N OCEAN BLVD APT 305 FORT LAUDERDALE, FL 33308 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 1.18% |
| JOHN H VRATSINAS3 Filed as: JOHN HARRY VRATSINAS | 2821 N OCEAN BLVD UNIT 305 FORT LAUDERDALE, FL 33308 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.25% |
| KELLY A DUNN3 | 3343 PORT ROYALE DRIVE SOUTH #614 FORT LAUDERDALE, FL 33308 | CONTINENTAL AMERICAN INSURANCE COMPANY | $981 | $0 | $981 | 0.19% |
| LOURDES G LEVINSON3 | 831 SANTIAGO STREET CORAL GABLES, FL 33134 | CONTINENTAL AMERICAN INSURANCE COMPANY | $907 | $0 | $907 | 0.18% |
| SYLVIA ROSSI-MONTERO3 | 3109 GRAND AVE COCONUT GROVE, FL 33133 | CONTINENTAL AMERICAN INSURANCE COMPANY | $876 | $0 | $876 | 0.17% |
| KENIA ELIZABET STURGIS3 | 4398 FINCH LANE KISSIMMEE, FL 34746 | CONTINENTAL AMERICAN INSURANCE COMPANY | $694 | $0 | $694 | 0.13% |
| MIDICI INSURANCE SERVICES LLC3 | 300 E ESPLANDADA DRIVE SUITE1220 OXNARD, CA 93036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $660 | $0 | $660 | 0.13% |
| JEFFREY PAUL SHOEMAKER3 | 1804 N SUSQUEHANNA TRL SELINSGROVE, PA 17870 | CONTINENTAL AMERICAN INSURANCE COMPANY | $633 | $0 | $633 | 0.12% |
| JENNIFER L DANN3 Filed as: JENNIFER LOUD DANN | 24233 RACETRACK STREET FORESTHILL, CA 95631 | CONTINENTAL AMERICAN INSURANCE COMPANY | $415 | $0 | $415 | 0.08% |
| MICHELLE TIFFANY DUBE3 | 251 ROYAL CT DELRAY BEACH, FL 33444 | CONTINENTAL AMERICAN INSURANCE COMPANY | $364 | $0 | $364 | 0.07% |
| ELVA E. ESCOBAR3 Filed as: ELVA ELISA ESCOBAR | 16242 CALAHAN ST NORTH HILLS, CA 91343 | CONTINENTAL AMERICAN INSURANCE COMPANY | $317 | $0 | $317 | 0.06% |
| STEPHANIE MARIE INSABELLA3 | 1113 MONTAUK LN VENTURA, CA 93001 | CONTINENTAL AMERICAN INSURANCE COMPANY | $289 | $0 | $289 | 0.06% |
| MEGAN HOPE BOOTHE3 | 270 CR 356 LUKA, MA 38852 | CONTINENTAL AMERICAN INSURANCE COMPANY | $276 | $0 | $276 | 0.05% |
| DE VITA B MCKENZIE3 Filed as: DE-VITA BETHINA MCKENZIE | 289 S BURTON AVE SAN GARBRIEL, CA 91776 | CONTINENTAL AMERICAN INSURANCE COMPANY | $261 | $0 | $261 | 0.05% |
| MICHAEL K PORTER3 Filed as: MICHAEL KELLEY PORTER | 5881 TOWN BAY DRIVE APT 916 BOCA RATON, FL 33486 | CONTINENTAL AMERICAN INSURANCE COMPANY | $97 | $0 | $97 | 0.02% |
| ANTHONY S ALMODOVAR3 | 438 MYER TERRACE LEOLA, PA 17540 | CONTINENTAL AMERICAN INSURANCE COMPANY | $95 | $0 | $95 | 0.02% |
| CECILIA N KOLSTAD3 | 8581 NW 12TH ST PEMBROKE PINES, FL 33024 | CONTINENTAL AMERICAN INSURANCE COMPANY | $81 | $0 | $81 | 0.02% |
| CHRISTY W FISHER3 Filed as: CHRISTY WREN FISHER | 124 CR 2768 BALDWYN, MS 38824 | CONTINENTAL AMERICAN INSURANCE COMPANY | $79 | $0 | $79 | 0.02% |
| JAMES SMITH3 Filed as: JAMES B SMITH | 615 ELINOR STREET CHATTANOOGA, TN 37405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $64 | $0 | $64 | 0.01% |
| CHARLES H HENRI3 | 20105 DOLPHIN AVE LYNWOOD, IA 60411 | CONTINENTAL AMERICAN INSURANCE COMPANY | $55 | $0 | $55 | 0.01% |
| LON R KOLSTAD3 | 8591 NW 12TH ST PEMBROKE PINES, FL 33024 | CONTINENTAL AMERICAN INSURANCE COMPANY | $55 | $0 | $55 | 0.01% |
| ELAINE KOLSTAD DUBE3 | 8581 NW 12TH ST PEMBROKE PINES, FL 33024 | CONTINENTAL AMERICAN INSURANCE COMPANY | $54 | $0 | $54 | 0.01% |
| RENEE SUZANNE CORSO3 | 2206 N LAMER STREET BURBANK, CA 91504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $49 | $0 | $49 | 0.01% |
| ERIC HIRSCHKORN3 Filed as: ERIC WAYNE HIRSCHKORN | 4171 SAN MARINO BLVD #107 WEST PALM BEACH, FL 33409 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | $0 | $24 | 0.00% |
| MICHELE BARBARA COSTA3 | 818 12TH STREET #7 SANTA MONICA, CA 90403 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | $0 | $17 | 0.00% |
| LAURIE A. HENNESSY3 Filed as: LAURIE A HENNESSY | 276 MELROSE DR OXNARD, CA 93035 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | $0 | $17 | 0.00% |
| ADAMS BENEFIT CORPORATION3 | 600 CORPORATE DRIVE SUITE 305 FORT LAUDERDALE, FL 33334 | BANKERS FIDELITY LIFE INSURANCE COMPANY | $83K | $0 | $83K | 16.60% |
| ADAMS BENEFIT CORPORATION3 Filed as: ADAMS BENEFIT CORP | 301 E YAMATO ROAD SUITE 1200 BOCA RATON, FL 33431 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $74K | $3K | $77K | 17.64% |
| ADAMS BENEFIT CORPORATION3 | 301 E YAMATO RD STE 1200 BOCA RATON, FL 33431 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $37K | $0 | $37K | 11.00% |
| ADAMS BENEFIT CORPORATION3 | 600 CORPORATE DRIVE SUITE 305 FORT LAUDERDALE, FL 33334 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $12K | $12K | 3.68% |
| ADAMS BENEFIT CORPORATION3 | 301 E YAMATO RD STE 1200 BOCA RATON, FL 33431 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $0 | $11K | 5.00% |
| ADAMS BENEFIT CORPORATION3 | 600 CORPORATE DR STE 305 FORT LAUDERDALE, FL 33334 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $9K | $9K | 4.10% |
| ADAMS BENEFIT CORPORATION3 | 301 E YAMATO RD STE 1200 BOCA RATON, FL 33431 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $0 | $16K | 11.00% |
| ADAMS BENEFIT CORPORATION3 | 600 CORPORATE DR, STE 305 FORT LAUDERDALE, FL 33334 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 4.03% |
| ADAMS BENEFIT CORPORATION3 | 301 E YAMATO RD STE 1200 BOCA RATON, FL 33431 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| ADAMS BENEFIT CORPORATION3 | 600 CORPORATE DRIVE SUITE 305 FORT LAUDERDALE, FL 33334 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $852 | $852 | 5.75% |
| ADAMS BENEFIT CORPORATION3 | 600 CORPORATE DRIVE, STE 305 FORT LAUDERDALE, FL 33334 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $78 | $57 | $135 | 1.59% |
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 | 6,923 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,936 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 3,037 | $437K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 3,833 | $148K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 5 | $9K |
| Other(8 contracts, 6 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 6,651 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,651 | — |
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.