| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KRAUTER & COMPANY, LLC3 | 1350 AVE. OF THE AMERICAS, 18TH FL NEW YORK, NY 10019 | AETNA HEALTH, INC. | — | $118K | $118K | 4.72% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP LLC | PO BOX 1414 NCB-88 MINNEAPOLIS, MN 55480 | AETNA HEALTH, INC. | — | $39K | $39K | 1.56% |
| KRAUTER AND COMPANY, LLC3 | 1350 AVE. OF THE AMERICAS, 18TH FL NEW YORK, NY 10019 | AETNA LIFE INSURANCE COMPANY | $8K | $16K | $25K | 4.15% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP LLC | NCB - 88, PO BOX 1414 MINNEAPOLIS, MN 55480 | AETNA LIFE INSURANCE COMPANY | $3K | $4K | $7K | 1.19% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | NCB - 88, PO BOX 1414 MINNEAPOLIS, MN 55480 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $4K | $129 | $5K | 3.66% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES, INC. | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $2K | $252 | $2K | 1.79% |
| MICHAEL MARSHALL3 | 1134 SE 6TH CT DANIA BEACH, FL 33004 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $555 | — | $555 | 0.45% |
| GINA MARIE MARTINEZ3 | 2401 NE 65TH STREET FT LAUDERDALE, FL 33308 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $451 | $98 | $549 | 0.44% |
| ESQUEN INSURANCE GROUP CORP3 Filed as: ESQUEN INSURANCE GROUP CORP. | 14552 SW 152ND PLACE MIAMI, FL 33196 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $414 | $14 | $428 | 0.35% |
| CAROLYN GROVER3 | 206 FOX CHAPEL DRIVE IRMO, SC 29063 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $268 | $42 | $310 | 0.25% |
| CRAIG WAYNE SOTTILE3 | 408 CEDAR PINES DRIVE GREENVILLE, SC 29615 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $247 | $42 | $289 | 0.23% |
| CREATIVE BENEFIT CONSULTANTS INC3 Filed as: CREATIVE BENEFIT CONSULTANTS, INC. | 18214 102ND WAY S BOCA RATON, FL 33498 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $218 | — | $218 | 0.18% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KLH INSURANCE INC. | 6481 TANAGER LANE EDEN PRAIRIE, MN 55346 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $149 | $40 | $189 | 0.15% |
| CLARICE R MIMS3 Filed as: CLARICE R. MIMS | 172-90 HIGHLAND AVENUE JAMAICA ESTATES, NY 11432 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $158 | $23 | $181 | 0.15% |
| JUDITH I VIDAL3 | 7280 STIRLING ROAD HOLLYWOOD, FL 33024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $179 | — | $179 | 0.14% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEM, INC. | 245 SEVEN FARMS DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $112 | $40 | $152 | 0.12% |
| TIMOTHY J REED3 Filed as: TIMOTHY J. REED | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $128 | — | $128 | 0.10% |
| MARIA D KADALA3 | 1830 N UNIVERSITY DRIVE PLANTATION, FL 33322 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $106 | $7 | $113 | 0.09% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $24 | $89 | $113 | 0.09% |
| STALTARE BENEFITS INC3 Filed as: STALTARE BENEFITS INC. | 700 E ATLANTIC BLVD POMPANO BEACH, FL 33060 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $111 | — | $111 | 0.09% |
| LOURDES PRICE3 | 16002 SW 73RD STREET MIAMI, FL 33193 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $101 | — | $101 | 0.08% |
| THE CLARK GROUP OF SC3 | 589 WINDMERE DRIVE LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $62 | $32 | $94 | 0.08% |
| HOWARD HOROWITZ3 | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $88 | — | $88 | 0.07% |
| MORFAR STRATEGIES INC3 Filed as: MORFAR STRATEGIES INC. | 6990 GRIFFIN ROAD DAVIE, FL 33314 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $69 | — | $69 | 0.06% |
| STEVEN VERMETTE INC3 | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $64 | — | $64 | 0.05% |
| LESLIE BRERETON3 | 2125 NE 63RD COURT FT LAUDERDALE, FL 33308 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $54 | — | $54 | 0.04% |
| CANDICE KLEE3 | 2760 NE 16TH AVE. POMPANO BEACH, FL 33064 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $47 | — | $47 | 0.04% |
| MARC A GROVE3 Filed as: MARC A. GROVE | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $22 | $21 | $43 | 0.03% |
| CORY JOSEPH FANECA3 | 3308 50TH AVE EAST BRADENTON, FL 34203 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $43 | — | $43 | 0.03% |
| JOSEPH WILLIAM BAKER3 | 12975 SW 190 TERR MIAMI, FL 33177 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $18 | — | $18 | 0.01% |
| WILLIAM COVINGTON3 | 1106 BROOKHOLLOW DRIVE DEER PARK, TX 77536 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $6 | — | $6 | 0.00% |
| LAURIE J BURNS3 | 303 PLYLER ROAD INDIAN TRAIL, NC 28079 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $6 | — | $6 | 0.00% |
| DENNIS L HUMPHREY3 | 3114 BROOKHAVEN COURT DEER PARK, TX 77536 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $6 | — | $6 | 0.00% |
| THEODORE JAMES MCGONIGAL3 | 7451 S ARAGON BLVD SUNRISE, FL 33313 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $2 | — | $2 | 0.00% |
| KENNETH B BOYLES3 Filed as: KENNETH B. BOYLES | PO BOX 7120 THE WOODLANDS, TX 77387 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $2 | — | $2 | 0.00% |
| BRUCE D AKERS3 | 2383 CALYPSO LANE LEAGUE CITY, TX 77573 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $1 | — | $1 | 0.00% |
| KRAUTER & COMPANY, LLC3 | 1350 AVE. OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | — | $14K | 12.91% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 1000 S PINE ISLAND ROAD - SUITE 225 PLANTATION, FL 33324 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $3K | $5K | 5.12% |
| KRAUTER AND COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | — | $9K | 11.88% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | 1000 S PINE ISLAND ROAD-SUITE 225 PLANTATION, FL 33324 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $5K | 6.25% |
| KRAUTER & COMPANY, LLC3 | 1350 AVE. OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 12.74% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 1000 S. PINE ISLAND ROAD-STE 225 PLANTATION, FL 33324 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $2K | $3K | 5.48% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | NCB - 88, PO BOX 1414 MINNEAPOLIS, MN 55480 | THE PAUL REVERE LIFE INSURANCE COMPANY | $64 | — | $64 | 3.04% |
| TIMOTHY J REED3 Filed as: TIMOTHY J. REED | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | THE PAUL REVERE LIFE INSURANCE COMPANY | $27 | — | $27 | 1.28% |
| MICHAEL MARSHALL3 | 1134 SE 6TH COURT DANIA BEACH, FL 33004 | THE PAUL REVERE LIFE INSURANCE COMPANY | $17 | — | $17 | 0.81% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES, INC. | 215 HOGAN WAY LEXINGTON, SC 29072 | THE PAUL REVERE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.57% |
| GINA MARIE MARTINEZ3 | 2401 NE 65TH STREET FT. LAUDERDALE, FL 33308 | THE PAUL REVERE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.28% |
| ESQUEN INSURANCE GROUP CORP3 | 14552 SW 152ND PLACE MIAMI, FL 33196 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.19% |
| CREATIVE BENEFIT CONSULTANTS INC3 Filed as: CREATIVE BENEFIT CONSULTANTS, INC. | 18214 102ND WAY S BOCA RATON, FL 33498 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.14% |
| STEVEN VERMETTE INC3 | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.14% |
| WENDY BIEL3 | 1257 CROSSBILL COURT WESTON, FL 33327 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.05% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEMS, INC. | 245 SEVEN FARMS DRIVE DANIEL ISLAND, SC 29492 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.05% |
| THE CLARK GROUP OF SC3 | 589 WINDMERE DRIVE LEXINGTON, SC 29072 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.05% |
| STALTARE BENEFITS INC3 Filed as: STALTARE BENEFITS INC. | 700 E ATLANTIC BLVD POMPANO BEACH, FL 33060 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.05% |
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 | 719 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 725 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 608 | $3.1M |
| Dental | AETNA LIFE INSURANCE COMPANY | 608 | $599K |
| Vision | AETNA LIFE INSURANCE COMPANY | 608 | $599K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 719 | $75K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 112 | $58K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 114 | $106K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | 719 | $202K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 719 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.