| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF FL INC | 8825 NORTHWEST 21ST TERRACE DORAL, FL 33172 | CURATIVE INSURANCE COMPANY | $67K | — | $67K | 6.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF FLORIDA INC | 8825 NW 21ST TERRACE DORAL, FL 33172 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $2K | $9K | 10.09% |
| SINGLE POINT ENROLLMENT SOLUTIONS I3 | 12002 SW 128TH CT STE 201 MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $3K | $7K | 7.39% |
| ANDREA BROWNING3 | 145 19TH AVE SE ST PETERSBURG, FL 33705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $484 | $2K | 1.78% |
| ESQUEN INSURANCE GROUP CORP3 | 14552 SW 152ND PLACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $956 | — | $956 | 1.03% |
| BRITO BENEFITS SOLUTIONS INC3 | 14716 SOUTHWEST 112 TER MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $686 | $129 | $815 | 0.88% |
| FLORIDA GROUP BENEFITS INC3 | 8421 SW 124TH AVE APT 103 MIAMI, FL 33183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $557 | $83 | $640 | 0.69% |
| THE FAMILY INSURANCE DISCOUNT3 | 14115 SW 179TH TERR MIAMI, FL 33177 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $594 | $19 | $613 | 0.66% |
| MONICA MARIA REVUELTA3 | 4721 NW 178TH TER MIAMI GARDENS, FL 33055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $209 | $380 | $589 | 0.63% |
| ANA ELISA FURNISS3 | 9022 SW 123RD CT APT O-402 MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $565 | — | $565 | 0.61% |
| LIANA C BOSCH3 | 22861 SW 114TH PATH MIAMI, FL 33170 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $316 | — | $316 | 0.34% |
| NOEMI F GUZMAN3 | 12334 SW 148TH TER MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $315 | — | $315 | 0.34% |
| YESENIA HENOHE OSORIO3 | 13611 LSHNALA CIRCLE WELLINGTON, FL 33414 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $159 | — | $159 | 0.17% |
| CREATIVE BENEFIT CONSULTANTS INC3 | 18214 102ND WAY S SUITE 100 BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | $64 | $109 | 0.12% |
| MODERN LIFE FINANCIAL GROUP3 | 2826 SW 145TH CT MIAMI, FL 33175 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $102 | $6 | $108 | 0.12% |
| MARIA D KADALA3 Filed as: MARIA DOLORES KADALA | 1830 N. UNIVERSITY DR PLANTATION, FL 33322 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $81 | — | $81 | 0.09% |
| SHEALY BENEFITS SERVICES INC3 | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70 | — | $70 | 0.08% |
| JUAN PABLO CONTESSE3 | 12120 SW 106TH ST MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | — | $52 | 0.06% |
| LORYN MARIE SHEALY3 | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.05% |
| ERIN WIGGINS3 | 1738 MOHAWK AVE CHARLESTON, SC 29412 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.02% |
| TUCTO & ASSOCIATES CORP3 | 16 OCEAN PKWY BROOKLYN, NY 11218 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.02% |
| WORLD PRIME SOLUTIONS3 | 7000 NOVA DR APT 203 DAVIE, FL 33317 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEMS INC | 145 RIVER LANDING DR UNIT 203 DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF FL INC | 14900 NW 79TH COURT SUITE 200 MIAMI LAKES, FL 33016 | SOLSTICE BENEFITS, INC | $2K | — | $2K | 2.03% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF FL INC. | 8825 NW 21ST TERRACE DORAL, FL 33172 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $1K | $5K | 20.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES INC | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $379 | $379 | 1.58% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF FLORIDA INC | 8825 NW 21ST TERRACE DORAL, FL 33172 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $895 | $4K | 20.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES INC | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $142 | $142 | 0.79% |
| BROWN & BROWN INSURANCE SERVICES3 | 8825 NW 21ST TERRACE DORAL, FL 33172 | TRANSAMERICA INSURANCE COMPANY | $1K | — | $1K | 8.01% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE COMPANY | — | $745 | $745 | 5.70% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE COMPANY | — | $532 | $532 | 4.07% |
| EXCELSIOR BENEFITS LLC3 Filed as: EXCELSIOR BENEFITS | 441 2ND STREET EXCELSIOR, MN 55331 | TRANSAMERICA INSURANCE COMPANY | $530 | — | $530 | 4.05% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF FLORIDA INC | 8825 NW 21ST TERRACE DORAL, FL 33172 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $790 | $263 | $1K | 19.99% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES INC | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $118 | $118 | 2.24% |
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 | 854 | 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) | 854 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CURATIVE INSURANCE COMPANY | 130 | $1.1M |
| Dental | SOLSTICE BENEFITS, INC | 330 | $85K |
| Vision | SOLSTICE BENEFITS, INC | 330 | $85K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 854 | $29K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 22 | $18K |
| Prescription drug | CURATIVE INSURANCE COMPANY | 130 | $1.1M |
| Other(4 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 854 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 854 | — |
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.