| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RDA BENEFITS GROUP INC3 Filed as: RDA BENEFITS GROUP | 8385 NW 157 TERRACE MIAMI LAKES, FL 33016 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $949 | — | $949 | 5.87% |
| MIS BENEFITS CONSULTANTS INC3 | 401 SW 4 AVENUE FT. LAUDERDAE, FL 33315 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $458 | $144 | $602 | 3.72% |
| IRENE SHULGIN3 Filed as: IRENE MICHEL SHULGIN | 503 BRIANS WAY AUGUSTA, GA 30907 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $322 | — | $322 | 1.99% |
| LYNN MARIE BARRY3 | 301 W PARK AVE LANGHORNE, PA 19047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $202 | $25 | $227 | 1.40% |
| CARLOS PAEZ3 | 3480 NW 85TH CT APT 214 DORAL, FL 33122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | $6 | $72 | 0.45% |
| THE FAMILY INSURANCE DISCOUNT3 | 14115 SW 179TH TERR MIAMI, FL 33177 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | $1 | $68 | 0.42% |
| L&I CONSULTANTS3 | 1870 NW 152ND ST OPA LOCKA, FL 33054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | $2 | $54 | 0.33% |
| GREGORIO R UGAZ3 | 12300 SW 36TH STREET MIAMI, FL 33175 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.25% |
| YESSICA BERTI FROMETA3 | 2775 NE 187TH ST APT 622 MIAMI, FL 33180 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.18% |
| LUIS CARLOS GONZALEZ3 | 6755 MIAMI LAKES DR APT J135 MIAMI LAKES, FL 33014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $2 | $16 | 0.10% |
| EM PROPERTY & CASUALTY LLC3 | 13500 SW 88TH ST STE 287 MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $2 | $6 | 0.04% |
| TULASI ANGELICA ASURZA3 | 4679 SW 154TH CT MIAMI, FL 33185 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $1 | $5 | 0.03% |
| SINGLE POINT ENROLLMENT SOLUTIONS3 Filed as: SINGLE POINT ENROLLMENT SOLUTIONS I | 14716 SW 112TH TER MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $2 | $4 | 0.02% |
| LUC JOSEPH3 | 548 NE 51ST ST MIAMI, FL 33127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.02% |
| BRITO BENEFITS SOLUTIONS INC3 | 14716 SOUTHWEST 112TH TER MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| PEACOCK FINANCIALS INC3 | 11830 NW 32ND MNR SUNRISE, FL 33323 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | 0.00% |
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 | 16 | 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) | 16 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 16 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16 | — |
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.