| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA WPB | 2056 VISTA PKWY SUITE 350 WEST PALM BEACH, FL 33411 | HUMANA INSURANCE COMPANY | $29K | — | $29K | 2.01% |
| JLB ENTERPRISES INC3 | 5713 CORPORATE WAY SUITE 200 WEST PALM BEACH, FL 33407 | HUMANA INSURANCE COMPANY | $23K | $137 | $23K | 1.58% |
| JLB ENTERPRISES INC3 | 5713 CORPORATE WAY STE 200 WEST PALM BEACH, FL 33407 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 4.37% |
| MICHAEL MARSHALL3 | 1134 SE 6TH CT DANIA BEACH, FL 33004 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 4.24% |
| SUNBAY CONSULTING SERVICES LLC3 | 16523 NW 5TH COURT PEMBROKE PINES, FL 33028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $675 | $4K | 3.56% |
| SF INSURANCE SERVICES INC3 | 118 THATCH PALM COVE BOCA RATON, FL 33432 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $401 | $2K | 1.60% |
| KEYES COVERAGE INC3 | 5900 HIATUS RD TAMARAC, FL 33321 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $766 | — | $766 | 0.75% |
| IRENE SHULGIN3 | 5720 SW 164 TERRACE SOUTHWEST RANCHES, FL 33026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $311 | $173 | $484 | 0.48% |
| CYPRESS INSURANCE GROUP INC3 | PO DRAWER 9328 FT LAUDERDALE, FL 33310 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $484 | — | $484 | 0.48% |
| B & B INSURANCE SOLUTIONS INC3 Filed as: B&B INSURANCE SOLUTIONS INC | 14716 SW 112 TERRACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $442 | — | $442 | 0.43% |
| STALTARE BENEFITS INC3 | 700 E ATLANTIC BLVD POMPANO BEACH, FL 33060 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $212 | — | $212 | 0.21% |
| ANDREA BROWNING3 | 145 19TH AVE SE ST PETERSBURG, FL 33705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $152 | — | $152 | 0.15% |
| JOSEPH A STALTARE3 Filed as: JOSEPH MICHAEL GANNON | 2331 SW 52ND ST FT LAUDERDALE, FL 33312 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $107 | $28 | $135 | 0.13% |
| STEPHANIE SHEPPA3 | 3687 IMPERIAL RIDGE PKWY PALM HARBOR, FL 34684 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $121 | — | $121 | 0.12% |
| CREATIVE BENEFIT CONSULTANTS INC3 | 18214 102ND WAY S BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $119 | — | $119 | 0.12% |
| VICKIE LYNN BARKLEY3 | 1272 NW 52ND WAY DEERFIELD BEACH, FL 33442 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $110 | — | $110 | 0.11% |
| STEVEN VERMETTE INC3 | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $81 | — | $81 | 0.08% |
| GINAKES & ASSOCIATES LLC3 | 1020 W INTERNATIONAL SPEEDWAY DAYTONA BEACH, FL 32114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | — | $47 | 0.05% |
| LESLIE BRERETON3 | 2125 NE 63RD CT FT LAUDERDALE, FL 33308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 0.04% |
| CANDICE KLEE3 | 2760 NE 16TH AVE POMPANO BEACH, FL 33064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.03% |
| MIS BENEFITS CONSULTANTS INC3 | 2663 RIO DE JANEIRO AVE COOPER CITY, FL 33026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $12 | $29 | 0.03% |
| SHARON R NOWELL3 | 4111 NW 9TH ST COCONUT CREEK, FL 33066 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.03% |
| SAUL JAKUBOWICZ3 | 1421 EAST HAWTHORNE CIR HOLLYWOOD, FL 33021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.01% |
| JORDANO GROUP INC3 | 12751 ORANGE BLVD WEST PALM BEACH, FL 33412 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| MORFAR STRATEGIES INC3 | 6990 GRIFFIN ROAD DAVIE, FL 33314 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| RIAZ W RAMJATTANSINGH3 | 2001 PALM BEACH LAKES BLVD WEST PALM BEACH, FL 33409 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| JLB ENTERPRISES INC3 | 5713 CORPORATE WAY STE 200 WEST PALM BEACH, FL 33407 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | — | $6K | 5.67% |
| INSURANCE OFFICE OF AMERICA3 | 2056 VISTA PKWY STE 350 WEST PALM BEACH, FL 33411 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 4.23% |
| JLB ENTERPRISES INC3 Filed as: JLB ENTERPRISES DBA SLATON RISK SER | 5713 CORPORATE WAY STE 200 WEST PALM BEACH, FL 33407 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 8.02% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 2056 VISTA PKWY STE 350 WEST PALM BEACH, FL 33411 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 6.98% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 2056 VISTA PKWY STE 350 WEST PALM BEACH, FL 33411 | AMERICAN UNITED LIFE INSURANCE COMPANY | $5K | $898 | $6K | 17.83% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 17.70% |
| AMERICAN INS PLUS LLC3 | 8131 BAUTISTA WAY PALM BEACH GARDENS, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 16.13% |
| PLETZKE VIVIAN3 Filed as: PLETZKE SOLUTIONS LLC | 822 N 17TH AVE HOLLYWOOD, FL 33020 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $562 | — | $562 | 4.36% |
| RACQUEL ANN ROLDAN3 | PO BOX 784312 WINTER GARDEN, FL 34778 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $227 | — | $227 | 1.76% |
| SEABASS FINL CORP3 | 125 NE 32ND STREET UNIT 2205 MIAMI, FL 33137 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $167 | — | $167 | 1.30% |
| DORIS JUDITH BEJARANO3 | 3601 NE 207 ST APT 1103 AVENTURA, FL 33180 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $149 | — | $149 | 1.16% |
| JAMES RUSSELL SCOTT3 | 855 MADISON CT PALM BEACH GARDENS, FL 33410 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $137 | — | $137 | 1.06% |
| JUDITH DEMERCADO3 | 5634 NW 16 STREET FORT LAUDERDALE, FL 33314 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $98 | — | $98 | 0.76% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 18.30% |
| AMERICAN INS PLUS LLC3 | 8131 BAUTISTA WAY PALM BEACH GARDENS, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $997 | — | $997 | 15.49% |
| PLETZKE VIVIAN3 Filed as: PLETZKE SOLUTIONS LLC | 822 N 17TH AVE HOLLYWOOD, FL 33020 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $347 | — | $347 | 5.39% |
| FELTON EUGENE TURNER3 Filed as: FELTON E TURNER | 8464 VICKERS ROAD HAHIRA, GA 31632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $163 | — | $163 | 2.53% |
| LISA ANN TOWE-WIGGINS3 | 7118 FORTY BANKS ROAD HARMONY, FL 34773 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $153 | — | $153 | 2.38% |
| RACQUEL ANN ROLDAN3 | PO BOX 784312 WINTER GARDEN, FL 34778 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.12% |
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 | 301 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 262 | $1.5M |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 262 | $1.6M |
| Vision | HUMANA INSURANCE COMPANY | 262 | $1.5M |
| Life insurance(3 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 301 | $1.6M |
| Short-term disability(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 301 | $168K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 301 | $66K |
| Prescription drug | HUMANA INSURANCE COMPANY | 262 | $1.5M |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 242 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 301 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.