| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC-HOMESTEAD | 1780 N KROME AVE PO BOX 901505 HOMESTEAD, FL 33090 | HUMANA MEDICAL PLAN, INC. | $49K | — | $49K | 5.97% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 8825 NW 21ST TERRACE DORAL, FL 33172 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17K | $3K | $21K | 15.88% |
| ESQUEN INSURANCE GROUP CORP3 | 14552 SW 152ND PLACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 4.09% |
| YOLANDA MARIA RESTREPO3 | 16171 BLATT BLVD APT 0303 WESTON, FL 33326 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 2.44% |
| YESENIA HENOHE OSORIO3 | 13611 LSHNALA CIRCLE WELLINGTON, FL 33414 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $527 | $3K | 2.35% |
| MONICA MARIA REVUELTA3 | 4721 NW 178TH TER MIAMI GARDENS, FL 33055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $636 | $2K | $2K | 1.81% |
| JUAN PABLO CONTESSE3 | 12120 SW 106TH ST MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.43% |
| MARIA D KADALA3 Filed as: MARIA DOLORES KADALA | 1830 N. UNIVERSITY DR PLANTATION, FL 33322 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $30 | $1K | 0.91% |
| TERESA VERASTEGUI NUNEZ3 | 15800 SW 84TH TER MIAMI, FL 33193 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $690 | $127 | $817 | 0.63% |
| NICOLE ESQUEN3 | 14552 SW 152 PLACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $688 | — | $688 | 0.53% |
| THE FAMILY INSURANCE DISCOUNT3 | 12010 SW 135TH TER MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $599 | $87 | $686 | 0.53% |
| EM PROPERTY & CASUALTY LLC3 | 13500 SW 88TH STREET STE 287 MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $515 | $132 | $647 | 0.50% |
| WORKWELL LIE3 | 11320 SW 46 ST. MIAMI, FL 33165 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | $386 | $438 | 0.34% |
| MARIA ANTONELLA CASTILLO3 | 11320 SW 46TH ST MIAMI, FL 33165 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | $370 | $422 | 0.33% |
| WORLD PRIME SOLUTIONS3 | 7000 NOVA DR APT 203 DAVIE, FL 33317 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $334 | $50 | $384 | 0.30% |
| LORYN MARIE SHEALY3 | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $240 | — | $240 | 0.19% |
| SHEALY BENEFITS SERVICES INC3 | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $200 | — | $200 | 0.15% |
| LAWRENCE DAVID FURNISS3 | 9022 SW 123RD CT APT 0-402 MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $179 | — | $179 | 0.14% |
| CREATIVE BENEFIT CONSULTANTS INC3 | 18214 102ND WAY S STE 100 BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $78 | $63 | $141 | 0.11% |
| YESSICA BERTI FROMETA3 | 2775 NE 187 TH ST APT 622 MIAMI, FL 33180 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $127 | $6 | $133 | 0.10% |
| BRITO BENEFITS SOLUTIONS INC3 | 14716 SOUTHWEST 112 TER MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | $47 | $119 | 0.09% |
| B & B INSURANCE SOLUTIONS INC3 | 14716 SW 112 TERRACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | $46 | $114 | 0.09% |
| JOSEPH A STALTARE3 | 11085 SACCO DR BOCA RATON, FL 33428 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | $56 | $105 | 0.08% |
| ELIZABETH SANGUILY3 | 8421 SOUTHWEST 124TH AVE APT 103 MIAMI, FL 33183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70 | — | $70 | 0.05% |
| ERIN WIGGINS3 | 1738 MOHAWK AVE CHARLESTON, SC 29412 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | — | $53 | 0.04% |
| EDUARDO TUCTO3 | 16 OCEAN PKWY BROOKLYN, NY 11218 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | — | $42 | 0.03% |
| EMANUEL JULIAN ASURZA3 | 10445 ATLANTIC AVE RICHMOND HILL, NY 11418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.03% |
| GABRIEL A ELIJACH3 | 12781 SW 65 ST MIAMI, FL 33183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.01% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DRIVE UNIT 203 DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| SINGLE POINT ENROLLMENT SOLUTIONS3 Filed as: SINGLE POINT ENROLLMENT SOLUTIONS I | 14716 SW 112TH TER MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $5 | $9 | 0.01% |
| WILLIAM KRAMER3 | 249 WEST BOWMORE DR BLYTHEWOOD, SC 29016 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 14900 NW 79TH COURT SUITE 200 MIAMI LAKES, FL 33016 | SOLSTICE BENEFITS, INC | $8K | — | $8K | 13.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 8825 NW 21ST TERRACE DORAL, FL 33172 | TRANSAMERICA INSURANCE COMPANY | $9K | — | $9K | 15.89% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE COMPANY | $6K | — | $6K | 9.81% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE COMPANY | $3K | — | $3K | 5.43% |
| EXCELSIOR BENEFITS LLC3 Filed as: EXCELSIOR BENEFITS | 441 2ND STREET EXCELSIOR, MN 55331 | TRANSAMERICA INSURANCE COMPANY | $757 | — | $757 | 1.33% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC. | 8825 NW 21ST TERRACE DORAL, FL 33172 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $1K | $5K | 20.93% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 8825 NW 21ST TERRACE DORAL, FL 33172 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $1K | $4K | 20.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 8825 NW 21ST TERRACE DORAL, FL 33172 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $409 | $1K | 20.87% |
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 | 990 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 995 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA MEDICAL PLAN, INC. | 153 | $880K |
| Dental | SOLSTICE BENEFITS, INC | 315 | $63K |
| Vision | SOLSTICE BENEFITS, INC | 315 | $63K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 985 | $31K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 13 | $21K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 985 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 985 | — |
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.