| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFIT PARTNERS INC3 Filed as: AMERICAN BENEFIT PARTNERS, INC. | 602 SW MANDIBA DRIVE LAKE CITY, FL 32024 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $47K | $47K | 3.72% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 840 US 1, SUITE 400 NORTH PALM BEACH, FL 33408 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $11K | $11K | 0.87% |
| MATTHEW SHIELDS3 Filed as: MATTHEW SHIELDS INSURANCE, LLC | 1140 SEAGULL PARK ROAD NORTH WEST PALM BEACH, FL 33411 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $5K | $5K | 0.40% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 7310 NORTH 16TH STREET, SUITE 226 PHOENIX, AZ 85020 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $1K | $1K | 0.09% |
| CREATIVE BENEFIT CONSULTANTS INC3 Filed as: CREATIVE BENEFIT CONSULTANTS, INC. | 18214 102ND WAY SOUTH, STREET 100 BOCA RATION, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $3K | $6K | 8.17% |
| LYNN MARIE BARRY3 Filed as: LYNN MARIE BARRY AND OTHER AGENT | 301 WEST PARK AVENUE LANGHORNE, PA 19047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $447 | $2K | 3.31% |
| LESLIE M. CARLET3 | 602 SW MANDIBA DRIVE LAKE CITY, FL 32024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 2.56% |
| ROBERT HYLTON3 | 6287 GARRETT STREET JUPITER, FL 33458 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $165 | $2K | 2.23% |
| VENESSA N DEAN3 Filed as: VENESSA N. DEAN | 1052 ASHFORD AVENUE, APARTMENT 802 SAN JUAN, PR 00907 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $994 | $0 | $994 | 1.33% |
| CHRISTINA BIEBER3 | 12827 WOODMILL DRIVE PALM BEACH GARDENS, FL 33418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $867 | $28 | $895 | 1.20% |
| MICHAEL R ACKERMAN3 Filed as: MICHAEL R. ACKERMAN | 275 COMMERCE DRIVE, SUITE 301 FORT WASHINGTON, PA 19034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $872 | $0 | $872 | 1.17% |
| AMERICAN BENEFIT PARTNERS INC3 Filed as: AMERICAN BENEFIT PARTNERS, INC. | 602 SW MANDIBA DRIVE LAKE CITY, FL 32024 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 5.67% |
| MATTHEW SHIELDS3 | 4387 BUENA TARA DRIVE WEST PALM BEACH, FL 33413 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $309 | $0 | $309 | 0.51% |
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 | 133 | 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) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 144 | $1.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 133 | $60K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 133 | $60K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 68 | $74K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 144 | $1.3M |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 68 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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.