| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC | 333 W WACKER DR. STE 1950 CHICAGO, IL 60606 | HUMANA MEDICAL PLAN, INC. | $7K | — | $7K | 4.78% |
| USI INSURANCE SERVICES LLC3 | 200 W CYPRESS CREEK RD FT LAUDERDALE, FL 33309 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $3K | 22.32% |
| LAWRENCE DAVID FURNISS3 | 12825 SW 112 TERRACE MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $129 | $391 | $520 | 3.39% |
| SHEALY BENEFITS SERVICES INC3 | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $310 | $106 | $416 | 2.71% |
| ESQUEN INSURANCE GROUP CORP3 | 14552 SW 152ND PLACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $139 | $244 | $383 | 2.50% |
| GINA MARIE MARTINEZ3 | 2401 NE 65TH STREET FT LAUDERDALE, FL 33308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $212 | $112 | $324 | 2.11% |
| MARIA D KADALA3 | 1830 N. UNIVERSITY DR PLANTATION, FL 33322 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $142 | $96 | $238 | 1.55% |
| THE CLARK GROUP OF SC3 | 589 WINDMERE DR. LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | $146 | $183 | 1.19% |
| FRANCES PUELS-RICCARDI3 | 7822 NW 62ND TERRACE PARKLAND, FL 33067 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $164 | $6 | $170 | 1.11% |
| FELIPE CARLOS BARREDA3 | 1205 MARIPOSA AVE APT 227 CORAL GABLES, FL 33146 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $163 | — | $163 | 1.06% |
| ADVANCED BENEFIT SYSTEM INC3 | 245 SEVEN FARMS DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $105 | $131 | 0.85% |
| CAROLYN GROVER3 | 206 FOX CHAPEL DR IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | $67 | $130 | 0.85% |
| WILLIAM ALFRED ROCKER3 | 16920 SW 78TH PLACE PALMETTO BAY, FL 33157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $109 | $6 | $115 | 0.75% |
| JUDITH I VIDAL3 | 7280 STIRLING RD HOLLYWOOD, FL 33024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $90 | — | $90 | 0.59% |
| HOWARD HOROWITZ3 | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | $17 | $71 | 0.46% |
| REUBEN F JACOBS JR3 | 868 LAKE JACKSON CIRCLE APOPKA, FL 32703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.19% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET 2ND FLOOR BOSTON, MA 02110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.10% |
| PARRISH J PEACHEE3 | 201 W 103RD ST INDIANAPOLIS, IN 46290 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.05% |
| CRAIG WAYNE SOTTILE3 Filed as: CRAIG WAYNE SOTTIE | 324 BROOKLAND WAY WEST COLUMBIA, SC 29169 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $1 | $6 | 0.04% |
| WILLIAM RENNARD3 | 3001 ALOMA AVE WINTER PARK, FL 32792 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.03% |
| MICHAEL BLOCK3 | 16619 S. PINECREEK DRIVE LOCKPORT, IL 60441 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.01% |
| DAVID TODD WEINSTEIN3 Filed as: DAVID TOOD WEISTEIN | 601 W JACKSON BLVD UNIT 912 CHICAGO, IL 60661 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.01% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 02110 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $888 | — | $888 | 19.99% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC | 333 W WACKER DR STE 1950 CHICAGO, IL 60606 | HUMANA INSURANCE COMPANY | $335 | — | $335 | 15.05% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 02110 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $434 | — | $434 | 20.01% |
| SHIRLEY SASTRE SOUTO3 | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $43 | — | $43 | 2.05% |
| LEONAGGEO BENEFITS INC3 | 1 E CHESTERFIELD DR BOYNTON BEACH, FL 33426 | AFLAC | $32 | — | $32 | 1.52% |
| MARTA M SASTRE3 Filed as: MARTA SASTRE | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $15 | — | $15 | 0.71% |
| DOMINICK R ROTINDO3 Filed as: DOMINICK ROTINDO | 4133 LAUREL ESTATES WAY WELLINGTON, FL 33449 | AFLAC | $14 | — | $14 | 0.67% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: RACHEL SAPOZNIK | 1100 NE 163RD ST FL 2 NORTH MIAMI BEACH, FL 33162 | AFLAC | $14 | — | $14 | 0.67% |
| SUE EUSEPI AND ASSOC INC3 Filed as: SUE EUSEPI AND ASSOCIATES INC | PO BOX 631 JUPITER, FL 33468 | AFLAC | $7 | — | $7 | 0.33% |
| DEXTER ANTONIO HARRIS3 Filed as: DEXTER HARRIS | 100 GALLERIA PARKWAY SUITE 900 ATLANTA, GA 30339 | AFLAC | $7 | — | $7 | 0.33% |
| RONALD INFANTINO3 | 7242 SW 163RD CT MIAMI, FL 33193 | AFLAC | $6 | — | $6 | 0.29% |
| ALFRED RIETKERK3 | 3120 NE 47TH ST FORT LAUDERDALE, FL 33308 | AFLAC | $5 | — | $5 | 0.24% |
| VICTORIA FERNANDEZ SASTRE3 | 13025 SW 107TH CT MIAMI, FL 33176 | AFLAC | $3 | — | $3 | 0.14% |
| VERONICA BUCKINGHAM3 | 1200 SW 12TH ST D208 FORT LAUDERDALE, FL 33315 | AFLAC | $2 | — | $2 | 0.10% |
| CHRISTOPHER C HAYWARD3 Filed as: CHRISTOPHER HAYWARD | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | AFLAC | $2 | — | $2 | 0.10% |
| TALLON AND ASSOCIATES INC3 | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | AFLAC | $2 | — | $2 | 0.10% |
| DOUGLAS DENCKER3 | 5959 PATIO DR. BOCA RATON, FL 33420 | AFLAC | $2 | — | $2 | 0.10% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE RD THOMSON, GA 30824 | AFLAC | $2 | — | $2 | 0.10% |
| SUSAN P WATLEY3 Filed as: SUSAN WATLEY | 6366 INDEPENDENCE DR COLUMBUS, GA 31909 | AFLAC | $1 | — | $1 | 0.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $1 | — | $1 | 0.05% |
| JONATHAN CAUTHEN3 | 110 CAYO COSTA COURT ROYAL PALM BEACH, FL 33411 | AFLAC | $1 | — | $1 | 0.05% |
| HAROLD L STAFFORD3 Filed as: HAROLD STAFFORD | 15655 77TH TRL N PALM BEACH GARDENS, FL 33418 | AFLAC | $1 | — | $1 | 0.05% |
| DAVID S MORRIS3 Filed as: DAVID MORRIS | 950 PENINSULA CORPORATE CIR STE 1005 BOCA RATON, FL 33487 | AFLAC | $1 | — | $1 | 0.05% |
| SUWAT ASSAWAMATIYANONT3 | 1800 NE 48TH CT FORT LAUDERDALE, FL 33308 | AFLAC | $1 | — | $1 | 0.05% |
| JUAN C FERLINI3 Filed as: JUAN FERLINI | 13826 CHRISTIAN BARRETT DR MOORPARK, CA 93021 | AFLAC | $1 | — | $1 | 0.05% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 02110 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $362 | — | $362 | 19.97% |
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 | 287 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 19 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HUMANA MEDICAL PLAN, INC. | 287 | $170K |
| Vision | HUMANA INSURANCE COMPANY | 208 | $2K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 126 | $2K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 44 | $2K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 62 | $4K |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 126 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 287 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.