| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NATIONAL AGENCY SOLUTIONS LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $30K | $0 | $30K | 10.00% |
| ADAMS BENEFIT CORPORATION3 | 301 E YAMATO RD, STE. 1200 BOCA RATON, FL 33431 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $14K | $0 | $14K | 4.71% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | PO BOX 908 FORT WORTH, TX 76101 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $10K | $0 | $10K | 3.28% |
| ADAMS BENEFIT CORPORATION3 | 301 E YAMATO RD, STE. 1200 BOCA RATON, FL 33431 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | $0 | $10K | 10.12% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | PO BOX 908 FORT WORTH, TX 76101 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $0 | $5K | 4.90% |
| DAVID ADAMS3 Filed as: DAVID BLAIR ADAMS | 301 E YAMATO RD, STE. 1200 BOCA RATON, FL 33431 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $0 | $8K | 8.20% |
| CAROLE J CASELLA3 | 106 WATERVIEW DR PALM BEACH GARDENS, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $233 | $3K | 3.36% |
| CREATIVE BENEFIT CONSULTANTS INC3 Filed as: CREATIVE BENEFIT CONSULTANTS, INC. | 18214 102ND WAY S, STE. 100 BOCA RATON, FL 33496 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $751 | $2K | 2.26% |
| LYNN MARIE BARRY3 | 301 W PARK AVENUE LANGHORNE, PA 19047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $257 | $1K | 1.47% |
| ROBERT HYLTON3 | 6287 GARRETT ST JUPITER, FL 33458 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $899 | $85 | $984 | 1.03% |
| CHRISTINA BIEBER3 | 12827 WOODMIL DR PALM BEACH GARDENS, FL 33418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $876 | $32 | $908 | 0.95% |
| YESENIA HENOHE OSORIO3 | 13611 ISHNALA CIR WELLINGTON, FL 33414 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $678 | $136 | $814 | 0.85% |
| JOSEPH A STALTARE3 Filed as: JOSEPH STALTARE | 11085 SACCO DR BOCA RATON, FL 33428 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $422 | $252 | $674 | 0.71% |
| EPIC3 Filed as: EPIC SOLUTIONS ENTERPRISE | 132 SW 113TH AVENUE MIAMI, FL 33174 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $322 | $43 | $365 | 0.38% |
| JACQUELINE SUMMER CHADWICK3 | 2267 ROUNDTOP ROAD ELLIJAY, GA 30540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $298 | $0 | $298 | 0.31% |
| MARIA VERONICA JARQUE3 | 4744 N PAULINA ST, STE. 1E CHICAGO, IL 60640 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $161 | $34 | $195 | 0.20% |
| ALIDA MARIA DEL CID3 | 5844 NW 71ST TER PARKLAND, FL 33067 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $172 | $0 | $172 | 0.18% |
| EDIANNETTE ROSADOFONSECA3 | 842 COUNTRY CROSSING CT KISSIMMEE, FL 34744 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $156 | $0 | $156 | 0.16% |
| GEOVANNY ENCARNACION3 | 11754 NW 1ST ST. CORAL SPRINGS, FL 33071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | $0 | $52 | 0.05% |
| ADAMS BENEFIT CORPORATION3 | 301 E YAMATO RD, STE. 1200 BOCA RATON, FL 33431 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $833 | $5K | 11.87% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | PO BOX 908 FORT WORTH, TX 76101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.05% |
| DAVID ADAMS3 Filed as: DAVID BLAIR ADAMS III | 301 E YAMATO RD, STE. 1200 BOCA RATON, FL 33431 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 8.60% |
| CAROLE J CASELLA3 | 106 WATERVIEW DR. PALM BEACH GARDENS, FL 33418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $971 | $101 | $1K | 3.46% |
| CARLEIGH GORDON3 Filed as: CARLEIGH GORDAN | 135 SKUNK HILL RD. EXETER, RI 02822 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $697 | $35 | $732 | 2.36% |
| CREATIVE BENEFIT CONSULTANTS INC3 Filed as: CREATIVE BENEFIT CONSULTANTS | 18214 102ND WAY S, STE. 100 BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $443 | $281 | $724 | 2.34% |
| LYNN MARIE BARRY3 | 301 W PARK AVE. LANGHORNE, PA 19047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $410 | $108 | $518 | 1.67% |
| ROBERT HYLTON3 | 3287 GARRETT ST. JUPITER, FL 33458 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $291 | $35 | $326 | 1.05% |
| JOSEPH A STALTARE3 | 11085 SACCO DR. BATON ROUGE, FL 33428 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $145 | $114 | $259 | 0.84% |
| JACQUELINE SUMMER CHADWICK3 | 2267 ROUNDTOP RD. ELLIJAY, GA 30540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $256 | $0 | $256 | 0.83% |
| YESENIA HENOHE OSORIO3 | 13611 ISHNALA CIR WELLINGTON, FL 33414 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | $21 | $89 | 0.29% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD. SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $29 | $54 | 0.17% |
| ADAMS BENEFIT CORPORATION3 | 301 E YAMATO RD, STE. 1200 BOCA RATON, FL 33431 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $430 | $3K | 12.48% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | PO BOX 908 FORT WORTH, TX 76101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $964 | $0 | $964 | 4.56% |
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 | 252 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 143 | $300K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 252 | $96K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 252 | $96K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 252 | $96K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 33 | $21K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 62 | $43K |
| Other(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 252 | $222K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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.
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.