| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES | 100 WOOD AVENUE SOUTH ISELIN, NJ 08830 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $64K | $71K | 5.46% |
| WORLD INSURANCE ASSOCIATES LLC3 | 14821 SOUTH DIXIE HIGHWAY MIAMI, FL 33176 | SYMETRA LIFE INSURANCE COMPANY | $13K | $0 | $13K | 34.07% |
| SINGLE POINT ENROLLMENT SOLUTIONS3 | 12002 SW 128TH COURT, SUITE 201 MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $3K | 10.39% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVENUE SOUTH, 4TH FLOOR ISELIN, NJ 08830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $74 | $3K | 8.35% |
| BRITO BENEFIT SOLN. & OTHER AGENTS3 | 14716 SW 112TH TERRACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $363 | $82 | $445 | 1.45% |
| ACHIOTE ENTERPRISES INC3 Filed as: ACHIOTE ENTERPRISES, INC. | 9647 SUGAR PINES COURT DAVIE, FL 33328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $402 | $0 | $402 | 1.31% |
| ANDREA BROWNING3 | 145 19TH AVENUE SE ST PETERSBURG, FL 33705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $237 | $112 | $349 | 1.13% |
| BENEFITLAB INC3 Filed as: BENEFITLAB, INC. | 9647 SUGAR PINES COURT DAVIE, FL 33328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $300 | $0 | $300 | 0.97% |
| MICHAEL MARSHALL3 | 1134 SE 6TH COURT DANIA BEACH, FL 30004 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $231 | $0 | $231 | 0.75% |
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 | 118 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 277 | $1.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 277 | $1.3M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 277 | $1.3M |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 118 | $37K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 38 | $31K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 118 | $37K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 277 | $1.3M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 277 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 277 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.