| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 1780 N. KROME AVENUE HOMESTEAD, FL 33090 | AVMED | $49K | $2K | $51K | 4.78% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 8825 NW 21ST TERRACE DORAL, FL 33172 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15K | $2K | $18K | 12.88% |
| SINGLE POINT ENROLLMENT SOLUTIONS3 | 12002 SW 128TH CT STE 201 MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $7K | $14K | 10.10% |
| ANDREA BROWNING3 | 145 19TH AVE SE ST PETERSBURG, FL 33705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 3.01% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVE SOUTH ISELIN, NJ 08830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 2.97% |
| BRITO BENEFITS SOLUTIONS INC3 | 14716 SW 112TH TER MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $459 | $2K | 1.48% |
| LIZBETH RAMON3 | 16128 APPENNINE DR BROOKSVILLE, FL 34601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $285 | $2K | 1.35% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ADAM IRA BROWN | 700 NE 7TH AVE APT 6 FORT LAUDERDALE, FL 33304 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $417 | $2K | 1.30% |
| WORLD PRIME SOLUTIONS3 | 7000 NOVA DR APT 203 DAVIE, FL 33317 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $752 | $222 | $974 | 0.70% |
| ANGEL GABRIEL VELAZQUEZ-DIAZ3 | 2022 ESTANCIA CIR STE 6 KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $631 | $135 | $766 | 0.55% |
| THE FAMILY INSURANCE DISCOUNT3 | 12010 SW 135TH TER MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $642 | $30 | $672 | 0.48% |
| GUY SANMIGUEL3 | 4965 SW 134TH AVE MIRAMAR, FL 33027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $654 | — | $654 | 0.47% |
| MICHEL GUTIERREZ3 | 4703 W MCELROY AVE APT 19 TAMPA, FL 33611 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $589 | $19 | $608 | 0.44% |
| FLORIDA GROUP BENEFITS INC3 | 8421 SW 124TH AVE APT 103 MIAMI, FL 33183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $555 | $45 | $600 | 0.43% |
| ELIZABETH SANGUILY3 | 8421 SW 124TH AVE APT 103 MIAMI, FL 33183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $469 | $20 | $489 | 0.35% |
| WORKSITE BENEFITS SOLUTION LLC3 Filed as: WORKSITE BENEFITS SOLUTIONS LLC | 2622 WYMAN CIR KISSIMMEE, FL 34744 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $148 | $194 | $342 | 0.25% |
| LIZBETH RAMON3 Filed as: LIZBETH NUNEZ | 16128 APPENNINE DR BROOKSVILLE, FL 34601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $291 | $17 | $308 | 0.22% |
| MICHAEL ALAN SCHOOLEY3 | 11107 SW 138TH PL MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $269 | $35 | $304 | 0.22% |
| JENNIFER WEYMOUTH RESMONDO3 Filed as: JENNIFER WEYMOUTH LLC | 2940 OAKTREE DR KISSIMMEE, FL 34744 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $126 | $54 | $180 | 0.13% |
| MALCIEL STEPHANIE BONILLA3 | 13897 SW 84 ST MIAMI, FL 33183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $161 | — | $161 | 0.12% |
| THE GRANT AGENCY INC3 Filed as: THE GRANT AGCY INC | PO BOX 41544 JACKSONVILLE, FL 32203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $140 | $2 | $142 | 0.10% |
| WALTER LUISENRIQUE BENITEZ3 | 12002 SW 128TH CT STE 207 MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | — | $62 | 0.04% |
| CALVON Y BUCZKOWSKI3 | 204 COVERED BRIDGE DR OCOEE, FL 34761 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $37 | $59 | 0.04% |
| STEPHANIE TOTARAM3 | 2716 PEARL CT KISSIMMEE, FL 34743 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | $1 | $49 | 0.04% |
| EM PROPERTY & CASUALTY LLC3 | 13500 SW 88TH ST STE 287 MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | — | $45 | 0.03% |
| CORCORAN & HOYT LLC3 | 3905 TAMPA ROAD OLDSMAR, FL 34677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | $13 | $42 | 0.03% |
| THE MEEHAN AGENCY LLC3 | 1924 DOWN HOLLOW LN WINDERMERE, FL 34786 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | $1 | $32 | 0.02% |
| FRANCISCO JAVIER RUIZ3 | 10102 COURTNEY OAKS CIR APT 20 TAMPA, FL 33619 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.02% |
| MACDOUGALL BENEFITS LLC3 | PO BOX 17204 FERNANDINA BEACH, FL 32034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $5 | $27 | 0.02% |
| EDIANNETTE ROSADOFONSECA3 | 842 COUNTRY CROSSING CT KISSIMMEE, FL 34744 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.02% |
| ALBERT SIDO3 Filed as: ALBERT WEALTH MANAGEMENT LLC | 2201 SW 42ND TERRACE FORT LAUDERDALE, FL 33317 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.01% |
| LUC JOSEPH3 | 548 NW 51ST ST MIAMI, FL 33127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| DANA MARIE MOWATT3 | 23701 S WESTERN AVE SPC 112 TORRANCE, CA 90501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| PAMELA EISELE FAZIO3 | 3344 MARWORTH CT MACUNGIE, PA 18062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| ERLANDE MICHEL3 | 3141 LA FRANCE AVE SW PALM BAY, FL 32908 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| TAMARA ANN BUSCHER3 Filed as: TAMARA GAIL COPELAND | PO BOX 243 LAND OLAKES, FL 34639 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1780 N KROME AVE HOMESTEAD, FL 33030 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | — | $15K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN FL DORAL | 8825 NW 21ST TER DORAL, FL 33172 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 10.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 8825 NW 21ST TERRACE DORAL, FL 33172 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | — | $5K | 15.89% |
| WEBTPA EMPLOYER SERVICES LLC5 Filed as: WEBTPA | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA LIFE INSURANCE COMPANY | — | $3K | $3K | 10.42% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS, LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA LIFE INSURANCE COMPANY | — | $1K | $1K | 4.81% |
| EXCELSIOR BENEFITS LLC3 | 441 2ND STREET EXCELSIOR, MN 55331 | TRANSAMERICA LIFE INSURANCE COMPANY | $412 | — | $412 | 1.33% |
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 | 152 | 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) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AVMED | 188 | $1.2M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 152 | $101K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 152 | $101K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 152 | $101K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 152 | $272K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.