| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEVI & ASSOCIATES INSURANCE3 | 2790 N FEDERAL HWY 3RD FLOOR BOCA RATON, FL 33431 | BLUE CROSS BLUE SHIELD OF FLORIDA | $27K | — | $27K | 5.65% |
| SF BENEFITS INC3 | 118 THATCH PALM CV BOCA RATON, FL 33432 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $134 | $3K | — |
| TILTON ASSOCIATES INC3 | 9840 W NOTCH PATH CYSTAL RIVER, FL 34428 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | — |
| CREATIVE BENEFIT CONSULTANTS INC3 | 18214 102ND WAY S STE 100 BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $980 | $2K | — |
| EPIC3 Filed as: EPIC SOLUTIONS ENTERPRISE | 132 SW 113TH AVE MIAMI, FL 33174 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $328 | $80 | $408 | — |
| LYNN MARIE BARRY3 | 301 W PARK AVE LANGHORNE, PA 19047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $272 | $125 | $397 | — |
| RON SELLERS & ASSOCIATES INC3 | 300 AVENUE OF THE CHAMPIONS PALM BEACH GARDENS, FL 33418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $383 | — | $383 | — |
| SHARON R NOWELL3 | 10954 MILL POND WAY ORLANDO, FL 32825 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $326 | — | $326 | — |
| WORKSITE AMERICA LLC3 | 14141 46TH ST N STE 1209 CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $189 | $130 | $319 | — |
| LUC JOSEPH3 | 548 NW 51ST ST MIAMI, FL 33127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $208 | $50 | $258 | — |
| SUSAN MARIE WEITKAMP3 | 246 FIDDLECREEK RIDGE RD WENTZVILLE, MO 63385 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $169 | $55 | $224 | — |
| JUDITH A DE MERCADO3 | 5634 NW 16TH ST LAUDERHILL, FL 33313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $197 | — | $197 | — |
| PEACOCK FINANCIALS INC3 | 11830 NW 32ND MNR SUNRISE, FL 33323 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $62 | $89 | — |
| JOSEPH A STALTARE3 | 11085 SACCO DR BOCA RATON, FL 33428 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | $39 | $76 | — |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA, INC. | 1855 W STATE ROAD 434 LONGWOOD, FL 32750 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $73 | — | $73 | — |
| ROGER J SASS JR3 | 5783 PARKWALK DRIVE BOYNTON BEACH, FL 33472 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | — | $36 | — |
| JANET IBANEZ3 | 17501 SW 92ND CT PALMETTO BAY, FL 33157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $14 | $31 | — |
| MICHAEL MARSHALL3 | 1134 SE 6 CT. DANIA BEACH, FL 33004 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | — |
| WENDOLYN ISOLA3 | 9271 CARIBBEAN BLVD CUTLER BAY, FL 33157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $8 | $25 | — |
| SARAH WEYMOUTH3 | 107 OCEAN TERRACE INDIATLANTIC, FL 32903 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | — |
| SAMUEL MALAVE3 | 304 DUNDEE RD STE 7 DUNDEE, FL 33838 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | — |
| BENJAMIN DARANG3 | 2901 NW 48 AVE APT 167 LAUDERDALE LAKES, FL 33313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | — |
| WORKSITE BENEFITS SOLUTION LLC3 | 2622 WYMAN CIRCLE KISSIMMEE, FL 34744 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | — |
| GINAKES & ASSOCIATES LLC3 | 1020 WEST INTERNATIONAL SPEEDWAY DAYTONA, FL 32114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | — |
| ROBERT SHAVERS3 | 63 SPRING FOREST TRL SHARPSBURG, GA 30277 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | — |
| CARUSO INSURANCE BENEFITS INC3 | 10872 WILDERNESS COURT ORLANDO, FL 32821 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | — |
| YESENIA A SANCHEZ3 | 1021 DELRIDGE AVE ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | — |
| CTL SERVICES INC3 | 1140 CLIMBING ROSE DR ORLANDO, FL 32818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $2 | $4 | — |
| BARBARA C BRENLOVE3 | PO BOX 470701 KISSIMMEE, FL 34747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | — |
| KRISTINA TREZISE3 | 209 SHELBY FARMS BEND ALABASTER, AL 35007 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | — |
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 | 51 | 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) | 51 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 51 | $473K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 5 | $0 |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 5 | $0 |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 41 | $473K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 51 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.