| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PLASTRIDGE AGENCY INC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $62K | $0 | $62K | 24.65% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $17K | $17K | 6.65% |
| PLASTRIDGE AGENCY INC3 | 10337 N MILITARY TRAIL PALM BEACH GARDENS, FL 33410 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 10.00% |
| PLASTRIDGE AGENCY INC3 | 10337 N MILITARY TRAIL PALM BEACH GARDENS, FL 33410 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| PLASTRIDGE AGENCY INC3 Filed as: THE PLASTRIDGE AGENCY INC | 10337 N MILITARY TRAIL PALM BEACH GARDENS, FL 33410 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 13.52% |
| SINGLE POINT ENROLLMENT SOLUTIONS3 | 12002 SW 128TH CT SUITE 201 MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $564 | $320 | $884 | 4.18% |
| AUSTIN GEHL3 | 2704 ANDREW CT DUBUQUE, IA 52001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $769 | $0 | $769 | 3.64% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ADAM IRA BROWN | 700 NE 7TH AVE APT 6 FORT LAUDERDALE, FL 33304 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $586 | $166 | $752 | 3.56% |
| WALTER LUISENRIQUE BENITEZ3 | 12002 SW 128TH CT SUITE 207 MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $618 | $0 | $618 | 2.92% |
| B & B INSURANCE SOLUTIONS INC3 | 12002 SW 128TH COURT SUITE 207 MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $381 | $222 | $603 | 2.85% |
| BRITO BENEFITS SOLUTIONS INC3 | 14716 SOUTHWEST 112 TER MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $396 | $147 | $543 | 2.57% |
| MICHAEL ALAN SCHOOLEY3 | 11107 SW 138TH PL MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $416 | $15 | $431 | 2.04% |
| GUY SANMIGUEL3 | 4965 SW 134TH AVE MIRAMAR, FL 33027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $309 | $30 | $339 | 1.60% |
| MICHEL GUTIERREZ3 | 3141 LA FRANCE AVE SW PALM BAY, FL 32908 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | $1 | $35 | 0.17% |
| ERLANDE MICHEL3 | 3141 LA FRANCE AVE SW PALM BAY, FL 32908 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | $1 | $35 | 0.17% |
| ERIK NEILS RANBERG3 | 815 SOUTH N STREET LAKE WORTH BEACH, FL 33460 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.02% |
| PLASTRIDGE AGENCY INC3 | 10337 N MILITARY TRAIL PALM BEACH GARDENS, FL 33410 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| PLASTRIDGE AGENCY INC3 | 10337 N MILITARY TRAIL PALM BEACH GARDENS, FL 33410 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| PLASTRIDGE AGENCY INC3 Filed as: THE PLASTRIDGE AGENCY INC | 10337 N MILITARY TRAIL PALM BEACH GARDENS, FL 33410 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 16.97% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ADAM IRA BROWN | 700 NE 7TH AVE APT 6 FORT LAUDERDALE, FL 33304 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $477 | $148 | $625 | 5.74% |
| SINGLE POINT ENROLLMENT SOLUTIONS3 | 12002 SW 128TH CT SUITE 201 MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $330 | $215 | $545 | 5.00% |
| AUSTIN GEHL3 | 2704 ANDREW CT DUBUQUE, IA 52001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $424 | $0 | $424 | 3.89% |
| WALTER LUISENRIQUE BENITEZ3 | 12002 SW 128TH COURT SUITE 207 MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $366 | $0 | $366 | 3.36% |
| B & B INSURANCE SOLUTIONS INC3 | 12002 SW 128TH CT MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $187 | $119 | $306 | 2.81% |
| BRITO BENEFITS SOLUTIONS INC3 | 14716 SW 112TH TER MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $174 | $66 | $240 | 2.20% |
| MICHAEL ALAN SCHOOLEY3 | 11107 SW 138TH PL MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $195 | $7 | $202 | 1.85% |
| DUDLEY HERRERA3 | 6102 RIDGE VIEW STREET MIDLAND, TX 79705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $123 | $0 | $123 | 1.13% |
| AMY E COHEN3 | 19967 VILLA LANTE PL BOCA RATON, FL 33404 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $108 | $13 | $121 | 1.11% |
| ERIK NEILS RANBERG3 | 1375 GATEWAY BLVD BOYNTON BEACH, FL 33426 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $107 | $0 | $107 | 0.98% |
| PEACOCK FINANCIALS INC3 | 11830 NW 32ND MNR SUNRISE, FL 33323 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $37 | $54 | 0.50% |
| DARIN POTTS3 | 100 DETERING STREET APT 2128 HOUSTON, TX 77007 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $29 | $49 | 0.45% |
| GUY SANMIGUEL3 | 4965 SW 134 AVE MIRAMAR, FL 33027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $1 | $11 | 0.10% |
| MICHEL GUTIERREZ3 | 29244 SW 142ND PL HOMESTEAD, FL 33033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $1 | $8 | 0.07% |
| PLASTRIDGE AGENCY INC3 | 10337 N MILITARY TRAIL PALM BEACH GARDENS, FL 33410 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $606 | $0 | $606 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 N/A | Participant communication; Named fiduciary; Claims processing; Float revenue; Non-monetary compensation; Contract Administrator; Direct payment from the plan; Other services Service code 12 | — | $32K |
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 | 164 | 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) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 131 | $253K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 137 | $81K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 126 | $15K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 164 | $6K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 164 | $21K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 164 | $23K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 164 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.