| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN H VRATSINAS3 Filed as: JOHN HARRY VRATSINAS | 2821 NORTH OCEAN BOULEVARD UNIT 305 FORT LAUDERDALE, FL 33308 | CONTINENTAL AMERICAN INSURANCE COMPANY | $59K | $0 | $59K | 5.74% |
| ADAMS BENEFIT CORPORATION3 | 307 YAMATO ROAD, SUITE 1200 BOCA RATON, FL 33431 | CONTINENTAL AMERICAN INSURANCE COMPANY | $56K | $0 | $56K | 5.40% |
| ANNA ELIZABETH INC3 Filed as: ANNA ELIZABETH VRATSINAS | 2821 NORTH OCEAN BOULEVARD APARTMENT 305 FORT LAUDERDALE, FL 33308 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34K | $0 | $34K | 3.25% |
| JV FLORIDA INSURANCE CORP3 Filed as: JV FLORIDA INSURANCE CORPORATION | 2821 NORTH OCEAN BOULEVARD UNIT 305 FORT LAUDERDALE, FL 33308 | CONTINENTAL AMERICAN INSURANCE COMPANY | $32K | $0 | $32K | 3.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 1031 WEST 4TH AVENUE, SUITE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27K | $0 | $27K | 2.57% |
| MICHELLE TIFFANY DUBE3 | 104 WISCONSIN STREET LAKE WORTH, FL 33461 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | $0 | $13K | 1.26% |
| ANNA ELIZABETH INC3 Filed as: ANNA ELIZABETH, INC. & OTHER AGENTS | 2821 NORTH OCEAN BOULEVARD APARTMENT 305 FORT LAUDERDALE, FL 33308 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | $0 | $13K | 1.21% |
| ADAMS BENEFIT CORPORATION3 | 301 EAST YAMATO ROAD, SUITE 1200 BOCA RATON, FL 33431 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $61K | $38K | $99K | 10.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9850 NW 41ST STREET, SUITE 100 MIAMI, FL 33178 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $43K | $0 | $43K | 4.43% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | 301 EAST YAMATO ROAD, SUITE 1200 BOCA RATON, FL 33431 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $28K | — | $28K | 9.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9850 NW 41ST STREET, SUITE 100 MIAMI, FL 33178 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $781 | $2K | 0.69% |
| ADAMS BENEFIT CORPORATION3 | 600 CORPORATE DRIVE, SUITE 305 FORT LAUDERDALE, FL 33334 | BANKERS FIDELITY LIFE INSURANCE COMPANY | $7K | — | $7K | 2.60% |
| ADAMS BENEFIT CORPORATION3 | 301 EAST YAMATO ROAD, SUITE 1200 BOCA RATON, FL 33431 | MUTUAL OF OMAHA INSURANCE COMPANY | $4K | $1K | $5K | 12.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9850 NW 41ST STREET, SUITE 100 MIAMI, FL 33178 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $0 | $2K | 5.91% |
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 | 5,559 | 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) | 5,559 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,086 | $303K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 3,566 | $979K |
| Short-term disability | BANKERS FIDELITY LIFE INSURANCE COMPANY | 774 | $266K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 3,566 | $979K |
| Other(4 contracts, 4 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 5,559 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,559 | — |
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.