| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ALL ATLANTIC BENFITS LLC | 200 SOUTH PARK ROAD, SUITE 475 HOLLYWOOD, FL 33021 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $8K | $3K | $10K | 0.34% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 83 PARK PLACE BOULEVARD, SUITE 101 CLEARWATER, FL 33759 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $9K | $0 | $9K | 0.29% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 655 NORTH FRANKLIN STREET SUITE 1900 TAMPA, FL 33602 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 4.93% |
| ASSUREDPARTNERS3 Filed as: ALL ATLANTIC BENFITS LLC | 200 SOUTH PARK ROAD, SUITE 475 HOLLYWOOD, FL 33021 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 3.88% |
| WORLD INSURANCE ASSOCIATES LLC3 | PO BOX 95000 PHILADELPHIA, PA 19195 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.12% |
| MJ INSURANCE3 Filed as: ANTHONY THIELGES AND VARIOUS AGENTS | 8377 HIDDEN HILLS DRIVE LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $1K | $10K | 13.64% |
| ALL ATLANTIC BENEFITS LLC3 | 3440 HOLLY BOULEVARD HOLLYWOOD, FL 33021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $16 | $8K | 10.99% |
| B AND B SOLUTIONS, INC.3 | 12002 SW 128TH COURT MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $3K | $8K | 10.86% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 1201 WEST CYPRESS CREEK ROAD FORT LAUDERDALE, FL 33309 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $562 | $3K | 4.61% |
| ANDREA BROWNING3 | 145 19TH AVENUE SE SAINT PETERSBURG, FL 33705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 4.56% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AND ASSOC., INC. | 1100 NE 163RD STREET NORTH MIAMI BEACH, FL 33162 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 4.10% |
| BURTON M HERRING JR3 Filed as: BURTON M. HERRING, JR. | 922 OLD FEDERAL ROAD SHORTER, AL 36075 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $896 | $27 | $923 | 1.32% |
| WEB TPA3 | 8500 FREEPORT PARKWAY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE | $4K | $0 | $4K | 12.37% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 655 NORTH FRANKLIN STREET SUITE 1900 TAMPA, FL 33602 | TRANSAMERICA INSURANCE | $2K | $0 | $2K | 7.37% |
| ASSUREDPARTNERS3 Filed as: ALL ATLANTIC BENFITS LLC | 200 SOUTH PARK ROAD, SUITE 475 HOLLYWOOD, FL 33021 | TRANSAMERICA INSURANCE | $1K | $0 | $1K | 4.46% |
| IMPACT INTERACTIVE LLC | PO BOX 603188 CHARLOTTE, NC 28260 | TRANSAMERICA INSURANCE | $1K | $0 | $1K | 3.56% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AND ASSOCIATES | 1100 NE 163RD STREET, 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | TRANSAMERICA INSURANCE | $964 | $0 | $964 | 3.18% |
| EXCELSIOR BENEFITS LLC3 Filed as: EXCELSIOR BENEFITS | 23505 SMITHTOWN ROAD, SUITE 200 EXCELSIOR, MN 55331 | TRANSAMERICA INSURANCE | $193 | $0 | $193 | 0.64% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE | -$273 | $0 | -$273 | -0.90% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 1201 WEST CYPRESS CREEK ROAD FORT LAUDERDALE, FL 33309 | MEDICAL AIR SERVICES ASSOCIATION FOR FLORIDA, INC. | $4K | $0 | $4K | 13.17% |
| MASA AGENTS3 | UNKNOWN MIAMI, FL 33180 | MEDICAL AIR SERVICES ASSOCIATION FOR FLORIDA, INC. | $2K | $0 | $2K | 8.02% |
| ASSUREDPARTNERS3 Filed as: ALL ATLANTIC BENFITS LLC | 200 SOUTH PARK ROAD, SUITE 475 HOLLYWOOD, FL 33021 | MEDICAL AIR SERVICES ASSOCIATION FOR FLORIDA, INC. | $1K | $0 | $1K | 4.29% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AND ASSOC., INC. | 1100 NE 163RD STREET NORTH MIAMI BEACH, FL 33162 | MEDICAL AIR SERVICES ASSOCIATION FOR FLORIDA, INC. | $298 | $0 | $298 | 1.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 | PO BOX 745961 ATLANTA, GA 30374 | METLIFE LEGAL PLANS OF FLORIDA | $764 | $14 | $778 | 4.14% |
| ASSUREDPARTNERS3 Filed as: ALL ATLANTIC BENFITS LLC | 200 SOUTH PARK ROAD, SUITE 475 HOLLYWOOD, GA 33021 | METLIFE LEGAL PLANS OF FLORIDA | $339 | $89 | $428 | 2.28% |
| WORLD INSURANCE ASSOCIATES LLC3 | PO BOX 95000 PHILADELPHIA, PA 19195 | METLIFE LEGAL PLANS OF FLORIDA | $113 | $0 | $113 | 0.60% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE | 656 SHREWSBURY AVENUE, SUITE 200 TINTON FALLS, NJ 07701 | METLIFE LEGAL PLANS OF FLORIDA | -$2 | $0 | -$2 | -0.01% |
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 | 392 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 396 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 396 | $3.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 396 | $3.1M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 396 | $3.1M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 410 | $133K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 410 | $133K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 410 | $133K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 396 | $3.1M |
| Other(6 contracts, 6 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 410 | $282K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 410 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.