| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | DBA SEITLIN, 78 SW 7TH STREET BRICKELL CITY CENTER MIAMI, FL 33178 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 2.03% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA THE BERENGUER GRP | 104 CRANDON BLVD KEY BISCAYNE, FL 33146 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $291 | $2K | 1.86% |
| CREATIVE BENEFIT CONSULTANTS INC3 Filed as: CREATIVE BENEFIT CONSULTANTS, INC. | 18214 102ND WAY S. BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.21% |
| ACRIALPS LLC3 Filed as: ACRIALPS, LLC | P.O. BOX 1788 GRAND RAPIDS, MI 49501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $570 | $130 | $700 | 0.70% |
| MIS BENEFITS CONSULTANTS INC3 Filed as: MIS BENEFIT CONSULTANTS, INC. | 1800 PUDRY AVE. APT. 1415 MIAMI BEACH, FL 33139 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $489 | — | $489 | 0.49% |
| IRENE SHULGIN3 | 17250 SUNSET BLVD PACIFIC PALISADE, CA 90272 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $382 | — | $382 | 0.38% |
| SHAWNEENA MERCADO OVERLY3 | 3958 PARKERS FRY FORT MILL, SC 29715 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $275 | $41 | $316 | 0.32% |
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON R. NOWELL | 10954 MILL POND WAY ORLANDO, FL 32825 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $227 | — | $227 | 0.23% |
| JOSEPH A STALTARE3 | 11085 SACCO DR. BOCA RATON, FL 33428 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $190 | — | $190 | 0.19% |
| EMMANUEL JULIAN AURZA3 | 10445 ATLANTIC AVE RICHMOND HILL, NY 11418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | — | $57 | 0.06% |
| MARIA D KADALA3 Filed as: MARIA DELORES KADALA | 1830 N. UNIVERSITY DR. PLANTATION, FL 33322 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | — | $51 | 0.05% |
| CHELSEA L WARE LLC3 Filed as: CHELSEA L. WARE, INC. | 11425 PERUGINO DR. LAS VEGAS, VA 89138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 0.04% |
| ADVANCED AGENTS INC3 Filed as: ADVANCED AGENTS, INC. | 1488 CORONADO RD. WESTON, FL 33327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 0.04% |
| WORLD PRIME SOLUTIONS3 | 7000 NOVA DR. APT. 203 DAVIE, FL 33317 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.03% |
| TILTON ASSOCIATES INC3 Filed as: TILTON ASSOCIATES, INC. | 9840 W. NOTCH PATH CRYSTAL RIVER, FL 34428 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.03% |
| VIP INSURANCE INC3 Filed as: VIP INSURANCE, INC. | 18 STONEMARK DRIVE HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.03% |
| PATRICIA LOUISE PRICE3 | 3051 N COURSE DR. APT. 806 POMPANO BEACH, FL 33069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.02% |
| CHERYL ANN HERNANDEZ3 | 833 SW CURRY ST. PORT ST. LUCIE, FL 34983 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| KARLA ALEXANDER3 | 3524 OBERON LN N. LAS VEGAS, NV 89032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| ERIC ALEXANDER NOVOA3 | 17871 SHADY VIEW DR., UNIT 1503 CHINO HILLS, CA 91709 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| RYAN WARE3 | 11632 REGAL ROCK PL LAS VEGAS, NV 89138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| LOURDES PRICE3 Filed as: LOURDES YOLANDA PRICE | 6636 ALEMENDRA FORT PIERCE, FL 34951 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| BERNARD PHILLIP3 Filed as: BERNARD PHILIP | 325 NW SPANISH RIVER APT. BOCA RATON, FL 33431 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA THE BERENGUER GRP | 104 CRANDON BLVD, SUITE 309 KEY BISCAYNE, FL 33149 | SOLSTICE BENEFITS, INC. | $13K | — | $13K | 13.00% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA THE BERENGUER GRP | 12651 S. DIXIE HWY, SUITE 209 PINECREST, FL 33156 | LIFE INSURANCE COMPANY OF NORTH AMERICA (NEW YORK LIFE) | $3K | — | $3K | 8.90% |
| MICHEL SHLIMOWITZ3 | 1800 PURDY AVE., APT. 1415 MIAMI, FL 33026 | LIFE INSURANCE COMPANY OF NORTH AMERICA (NEW YORK LIFE) | $416 | — | $416 | 1.10% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA THE BERENGUER GRP | 12651 S. DIXIE HWY, SUITE 209 PINECREST, FL 33156 | LIFE INSURANCE COMPANY OF NORTH AMERICA (NEW YORK LIFE) | $2K | — | $2K | 10.00% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA THE BERENGUER GRP | 12651 S. DIXIE HWY, SUITE 209 PINECREST, FL 33156 | LIFE INSURANCE COMPANY OF NORTH AMERICA (NEW YORK LIFE) | $1K | — | $1K | 6.00% |
| MICHEL SHLIMOWITZ3 | 1800 PURDY AVE. APT. 1415 MIAMI, FL 33026 | LIFE INSURANCE COMPANY OF NORTH AMERICA (NEW YORK LIFE) | $764 | — | $764 | 4.00% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA THE BERENGUER GRP | 12651 S. DIXIE HWY SUITE 209 PINECREST, FL 33156 | LIFE INSURANCE COMPANY OF NORTH AMERICA (NEW YORK LIFE) | $650 | — | $650 | 9.37% |
| MICHEL SHLIMOWITZ3 Filed as: MICHEL SHILMOWITZ | 1800 PURDY AVE., APT. 1415 MIAMI, FL 33026 | LIFE INSURANCE COMPANY OF NORTH AMERICA (NEW YORK LIFE) | $44 | — | $44 | 0.63% |
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 | 236 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 84 | $100K |
| Dental | SOLSTICE BENEFITS, INC. | 218 | $98K |
| Vision | SOLSTICE BENEFITS, INC. | 218 | $98K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA (NEW YORK LIFE) | 236 | $38K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA (NEW YORK LIFE) | 115 | $23K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA (NEW YORK LIFE) | 69 | $19K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 236 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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.