| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEABASS FINANCIAL3 Filed as: SEABASS FINANCIAL LLC | 101 NE 110TH ST MIAMI SHORES, FL 33161 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $39K | $39K | 5.80% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE - FLORIDA | 6750 N ANDREWS AVE STE 125 FT LAUDERDALE, FL 33309 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | $0 | $11K | 1.62% |
| PROTOCOL BENEFITS + INSURANCE3 Filed as: PROTOCOL BENEFITS & INSURANCE, LLC | 1040 BISCAYNE BLVD SUITE 4406 MIAMI, FL 33132 | SOLSTICE BENEFITS, INC | $5K | $0 | $5K | 10.00% |
| NATIONAL MARKETING GROUP SVCS, INC.3 Filed as: NATIONAL MARKETING GROUP SERVICES | 7705 NW 48TH ST # 100 MIAMI, FL 33166 | SOLSTICE BENEFITS, INC | $1K | $0 | $1K | 3.00% |
| SEABASS FINANCIAL3 | 101 NE 110 ST MIAMI SHORES, FL 33161 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $0 | $0 | 0.00% |
| AC INSURANCE SERVICES LLC3 | 328 N OCEAN BLVD # 1507 POMPANO BEACH, FL 33062 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $303 | $278 | $581 | 6.95% |
| SEBASTIAN PATRICIO RICAURTE3 | 125 NE 32 ST MIAMI, FL 33137 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $361 | $0 | $361 | 4.32% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AND ASSOC INC | 1100 NE 163RD ST N MIAMI BEACH, FL 33186 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $313 | $0 | $313 | 3.74% |
| B & B INSURANCE SOLUTIONS INC3 Filed as: B B INSURANCE SOLUTIONS INC | 12002 SW 128TH CT MIAMI, FL 33186 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $68 | $8 | $76 | 0.91% |
| WILLIAM GARDNER EICHHORN3 | 3450 CHAPEL CREEK CIR WESLEY CHAPEL, FL 33544 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $62 | $0 | $62 | 0.74% |
| JANET S DOHERTY3 Filed as: JANET S DOROTHY | 17328 E ADRIATRIC PL AURORA, CO 80013 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $59 | $0 | $59 | 0.71% |
| NIRA VELASCO3 | 1904 CAPRI ROAD VALRICO, FL 33594 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $36 | $10 | $46 | 0.55% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $39 | $5 | $44 | 0.53% |
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON R NOWELL | 4111 NW 9TH ST COCONUT CREEK, FL 33066 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $24 | $18 | $42 | 0.50% |
| EM PROPERTY & CASUALTY LLC3 Filed as: EM PROPERTY AND CASUALTY LLC | 13500 SW 88TH ST SUITE 287 MIAMI, FL 33183 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $24 | $0 | $24 | 0.29% |
| DAVID CHRISTOPHER NUNES3 | 11332 SW 133 PL MIAMI, FL 33186 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18 | $5 | $23 | 0.28% |
| ELIZABETH SANGUILY3 | 8421 SW 124TH AVE MIAMI, FL 33183 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $22 | $0 | $22 | 0.26% |
| WALTER LUISENRIQUE BENITEZ3 | 12002 SW 128TH CT MIAMI, FL 33186 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15 | $0 | $15 | 0.18% |
| ANDREA BROWNING3 Filed as: ANDREA BROWING | 145 19TH AVE SE ST PETERSBURG, FL 33705 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | $4 | $11 | 0.13% |
| COACH CONCEPTS INC3 | 5655 OAKHURST DRIVE SEMINOLE, FL 33772 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $2 | $5 | 0.06% |
| BRITO BENEFITS SOLUTIONS INC3 | 14716 SW 112 TR MIAMI, FL 33196 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $1 | $4 | 0.05% |
| SCHMIDT BENEFIT GROUP INC3 | 512 LYONS BAY RD NOKOMIS, FL 34275 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.04% |
| MICHEL GUTIERREZ3 Filed as: MICHEL GUITIERREZ | 29244 SW 142 PLACE HOMESTEAD, FL 33033 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| SEABASS FINANCIAL5 Filed as: SEABASS FINANCIAL CORP | 101 NE 110 STREET MIAMI SHORES, FL 33161 | TRANSAMERICA INSURANCE CO. MEDICARE SUPPLEMENT | $5K | $0 | $5K | 99.43% |
| WEB TPA | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO. MEDICARE SUPPLEMENT | $3K | $0 | $3K | 65.18% |
| CENTERSTONE INSURANCE AND FINANCIAL5 Filed as: CENTERSTONE INSURANCE & FIN. SERVIC | 12404 PARK CENTRAL DR, SUITE 400S DALLAS, TX 75251 | TRANSAMERICA INSURANCE CO. MEDICARE SUPPLEMENT | $3K | $0 | $3K | 53.15% |
| PROTOCOL BENEFITS + INSURANCE5 Filed as: PROTOCOL BENEFITS & INSURANCE | 1040 BISCAYNE BLVD SUITE 4406 MIAMI, FL 33132 | TRANSAMERICA INSURANCE CO. MEDICARE SUPPLEMENT | $950 | $0 | $950 | 20.18% |
| IMPACT INTERACTIVE LLC5 | P.O. BOX 603188 CHARLOTTE, NC 28260 | TRANSAMERICA INSURANCE CO. MEDICARE SUPPLEMENT | $775 | $0 | $775 | 16.46% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. MEDICARE SUPPLEMENT | $348 | $0 | $348 | 7.39% |
| SEABASS FINANCIAL3 | 101 NE 110 ST MIAMI SHORES, FL 33161 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $0 | $0 | 0.00% |
| SEABASS FINANCIAL3 | 101 NE 110 ST MIAMI SHORES, FL 33161 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $0 | $0 | 0.00% |
| SEABASS FINANCIAL3 | 101 NE 110 ST MIAMI SHORES, FL 33161 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $0 | $0 | 0.00% |
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 | 130 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 130 | $678K |
| Dental | SOLSTICE BENEFITS, INC | 163 | $45K |
| Vision | SOLSTICE BENEFITS, INC | 163 | $45K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 145 | $9K |
| Short-term disability(3 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 32 | $16K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 145 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.