| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 1450 BRICKELL AVENUE, SUITE 1600 MIAMI, FL 33131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 1.47% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 1450 BRICKELL AVENUE MIAMI, FL 33131 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $50K | — | $50K | 14.07% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES, INC. | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $16K | $8K | $24K | 6.73% |
| MJ INSURANCE3 Filed as: KALINA QUINTANA AND VARIOUS AGENTS | 8261 NW 8TH STREET MIAMI, FL 33126 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $13K | $2K | $16K | 4.39% |
| GINA MARIE MARTINEZ3 | 2401 NE 65TH STREET FORT LAUDERDALE, FL 33308 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $6K | $11K | 3.15% |
| INSGROUP INC3 Filed as: ESQUEN INSURANCE GROUP CORPORATION | 14552 SW 152ND PLACE MIAMI, FL 33196 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $714 | $3K | 0.89% |
| DORIS JUDITH BEJARANO3 | 2114 NORTH FLAMINGO ROAD PEMBROKE PINES, FL 33028 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $69 | $2K | 0.68% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEM, INC. | 245 SEVEN FARMS DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $972 | $1K | $2K | 0.60% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORDIA, INC. | 29848 NETWORK PLACE CHICAGO, IL 28290 | EYEMED | $5K | — | $5K | 12.84% |
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 | 1,076 | 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) | 1,088 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 305 | $357K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,296 | $586K |
| Vision | EYEMED | 1,175 | $43K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,076 | $465K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,076 | $465K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,076 | $465K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,076 | $465K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,296 | — |
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.