| 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 | $25K | $187 | $26K | — |
| MIS BENEFITS CONSULTANTS INC3 | 1800 PURDY AVE APT 1415 MIAMI BEACH, FL 33139 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $6K | $14K | — |
| IRENE SHULGIN3 | 10400 BUENOS AIRES ST COOPER CITY, FL 33026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $3K | $9K | — |
| CARLOS PAEZ3 | 2905 NW 130TH AVE APT102 SUNRISE, FL 33323 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | — |
| LYNN MARIE BARRY3 | 301 W PARK AVE LANGHORNE PA, PA 19047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | — |
| YESSICA BERTI FROMETA3 Filed as: YESSICA BERTI FRONMETA | 20784 NE 5TH CT MIAMI, FL 33179 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $102 | $4K | — |
| THE FAMILY INSURANCE DISCOUNT3 | 12010 SW 135TH TERRACE MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $178 | $2K | — |
| EM PROPERTY & CASUALTY LLC3 | 13500 SW 88TH STREET 287 MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $277 | $2K | — |
| L&I CONSULTANTS3 | 1870 NW 152ND ST OPA LOCKA, FL 33054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $413 | $1K | — |
| GREGORIO R UGAZ3 | 12300 SW 36TH STREET MIAMI, FL 33175 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $138 | $1K | — |
| JUAN R DE LA CRUZ JR3 | 8208 PRESTOGE COMMONS DR TAMARAC, FL 33321 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $628 | $315 | $943 | — |
| PEACOCK FINANCIALS INC3 | 11830 NW 32ND MNR SUNRISE, FL 33323 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $88 | $160 | $248 | — |
| B & B INSURANCE SOLUTIONS INC3 Filed as: B&B INSURANCE SOLUTIONS INC | 14716 SW 112 TERRACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $120 | $81 | $201 | — |
| BRITO BENEFITS SOLUTIONS INC | 14716 SOUTHWEST 112 TER MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $120 | $56 | $176 | — |
| MARIELENA HERRERA3 | 12338 DORA TRL PARRISH, FL 34219 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $88 | $10 | $98 | — |
| LUC JOSEPH3 | 548 NW 51ST ST MIAMI, FL 33127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | — |
| TULASI ANGELICA ASURZA3 | 4679 SW 154TH CT MIAMI, FL 33185 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | — |
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 | 76 | 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) | 76 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 76 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 76 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.