| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 1780 N KROME AVE HOMESTEAD, FL 33030 | HEALTH OPTIONS, INC | $62K | — | $62K | 6.00% |
| SINGLE POINT ENROLLMENT SOLUTIONS3 Filed as: SINGLE POINT ENROLLMENT SOLUTIONS I | 12002 SW 128TH CT STE 201 MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $11K | $19K | 18.87% |
| 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 | $11K | $2K | $14K | 13.59% |
| ANDREA BROWNING3 | 145 19TH AVE SE ST PETERSBURG, FL 33705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $846 | $2K | 2.27% |
| ESQUEN INSURANCE GROUP CORP3 | 14552 SW 152ND PLACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.63% |
| BRITO BENEFITS SOLUTIONS INC3 | 14716 SOUTHWEST 112 TER MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $874 | $315 | $1K | 1.18% |
| YESENIA HENOHE OSORIO3 | 13611 LSHNALA CIRCLE WELLINGTON, FL 33414 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $429 | $48 | $477 | 0.47% |
| JUAN PABLO CONTESSE3 | 12120 SW 106TH ST MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $259 | — | $259 | 0.26% |
| MARIA D KADALA3 Filed as: MARIA DOLORES KADALA | 1830 N. UNIVERSITY DR PLANTATION, FL 33322 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $198 | $12 | $210 | 0.21% |
| YOLANDA MARIA RESTREPO3 | 16171 BLATT BLVD APT 0303 WESTON, FL 33326 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $195 | — | $195 | 0.19% |
| SHEALY BENEFITS SERVICES INC3 | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $114 | — | $114 | 0.11% |
| TOMORROWS SOLUTION INC3 | 2841 NORTHEAST 55TH PLACE FORT LAUDERDALE, FL 33308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $78 | $6 | $84 | 0.08% |
| THE FAMILY INSURANCE DISCOUNT3 | 12010 SW 135TH TER MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $80 | $2 | $82 | 0.08% |
| LORYN MARIE SHEALY3 | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $73 | — | $73 | 0.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LIE | 161 WASHINGTON ST STE 1200 CONSHOHOCKEN, PA 19428 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | $8 | $72 | 0.07% |
| EM PROPERTY & CASUALTY LLC3 | 13500 SW 88TH STREET STE 287 MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | $14 | $71 | 0.07% |
| TERESA VERASTEGUI NUNEZ3 | 15800 SW 84TH TER MIAMI, FL 33193 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | $23 | $59 | 0.06% |
| WORLD PRIME SOLUTIONS3 | 7000 NOVA DR APT 203 DAVIE, FL 33317 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | $6 | $53 | 0.05% |
| ELIZABETH SANGUILY3 | 8421 SW 124TH AVE APT 103 MIAMI, FL 33183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | — | $49 | 0.05% |
| MONICA MARIA REVUELTA3 | 4721 NW 178TH TER MIAMI GARDENS, FL 33055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | — | $47 | 0.05% |
| NICOLE ESQUEN3 | 14552 SW 152 PLACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 0.04% |
| ERIN WIGGINS3 | 1738 MOHAWK AVE CHARLESTON, SC 29412 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.03% |
| MONICA FABIOLA GASSER3 | 1900 S TREASURE DR APT 4G NORTH BAY VILLAGE, FL 33141 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | $2 | $30 | 0.03% |
| MY ROI GROUP LLC3 Filed as: MY ROI GROUP LIE | 1900 S TREASURE DR APT 4G NORTH BAY VILLAGE, FL 33141 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.03% |
| YESSICA BERTI FROMETA3 | 2775 NE 187 TH ST APT 622 MIAMI, FL 33180 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.02% |
| NYRA VELASCO3 | 1904 CAPRI RD VALRICO, FL 33594 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $6 | $21 | 0.02% |
| WORKWELL LIE3 | 11320 SW 46 ST. MIAMI, FL 33165 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $17 | $20 | 0.02% |
| LAWRENCE DAVID FURNISS3 | 9022 SW 123RD CT APT 0-402 MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $1 | $12 | 0.01% |
| CREATIVE BENEFIT CONSULTANTS INC3 | 18214 102ND WAY S STE 100 BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $7 | $12 | 0.01% |
| MARIA ANTONELLA CASTILLO3 | 11320 SW 46TH ST MIAMI, FL 33165 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $6 | $9 | 0.01% |
| JOSEPH A STALTARE3 | 11085 SACCO DR BOCA RATON, FL 33428 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $5 | $9 | 0.01% |
| EDUARDO TUCTO3 | 16 OCEAN PKWY BROOKLYN, NY 11218 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DRIVE UNIT 203 DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| TUCTO & ASSOCIATES CORP3 | 16 OCEAN PKWY BROOKLYN, NY 11218 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| TULASI ANGELICA ASURZA3 | 4679 SW 154TH CT MIAMI, FL 33185 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $1 | $6 | 0.01% |
| EMANUEL JULIAN ASURZA3 | EMANUEL JULIAN ASURZA RICHMOND HILL, NY 11418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| FLORIDA GROUP BENEFITS INC3 | 8421 SW 124TH AVE APT 103 MIAMI, FL 33183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 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 | $9K | — | $9K | 13.32% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 8825 NW 21ST TERRACE DORAL, FL 33172 | TRANSAMERICA INSURANCE COMPANY | $10K | — | $10K | 14.37% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE COMPANY | — | $6K | $6K | 9.00% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE COMPANY | — | $4K | $4K | 5.17% |
| EXCELSIOR BENEFITS LLC3 Filed as: EXCELSIOR BENEFITS | 441 2ND STREET EXCELSIOR, MN 55331 | TRANSAMERICA INSURANCE COMPANY | $1K | — | $1K | 1.85% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC-HOMESTEAD | 1780 N KROME AVE HOMESTEAD, FL 33090 | BLUECROSS BLUESHIELD OF FLORIDA | $2K | — | $2K | 6.00% |
| 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 | $2K | $5K | 21.41% |
| 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 | $793 | $2K | 23.40% |
| 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 | $496 | $2K | 21.34% |
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 | 953 | 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) | 958 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HEALTH OPTIONS, INC | 132 | $1.1M |
| Dental | SOLSTICE BENEFITS, INC | 325 | $68K |
| Vision | SOLSTICE BENEFITS, INC | 325 | $68K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 953 | $33K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 10 | $9K |
| Prescription drug | HEALTH OPTIONS, INC | 132 | $1.0M |
| Other(4 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 953 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 953 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.