| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 1450 BRICKELL AVENUE MIAMI, FL 33131 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $54K | — | $54K | 16.82% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES, INC. | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12K | $12K | $25K | 7.61% |
| EMPL. ENROLL. ENT. AND OTHER AGENTS3 | 16002 SW 73RD STREET MIAMI, FL 33193 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $19K | $4K | $23K | 7.22% |
| GINA MARIE MARTINEZ3 | 2401 NE 65TH STREET FORT LAUDERDALE, FL 33308 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $3K | $9K | 2.65% |
| INSGROUP INC3 Filed as: ESQUEN INSURANCE GROUP CORPORATION | 14552 SW 152ND PLACE MIAMI, FL 33196 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $707 | $4K | 1.18% |
| DORRIS JUDITH BEJARANO3 | 2114 NORTH FLAMINGO ROAD PEMBROKE PINES, FL 33028 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 0.78% |
| MARIA D KADALA3 Filed as: MARIA D. KADALA | 1830 NORTH UNIVERSITY DRIVE PLANTATION, FL 33322 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $191 | $2K | 0.65% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORDIA, INC. | 1450 BRIKELL AVENUE, SUITE 1600 MIAMI, FL 33131 | EYEMED | $3K | — | $3K | 9.00% |
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 | 1,050 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,062 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 338 | $322K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,219 | $483K |
| Vision | EYEMED | 1,109 | $39K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,050 | $74K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,050 | $74K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,050 | $74K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,050 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,219 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.