| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID ADAMS3 Filed as: DAVID BLAIR ADAMS | 301 E YAMATO ROAD, STE 1200 BOCA RATON, FL 33431 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23K | $0 | $23K | 23.28% |
| CREATIVE BENEFIT CONSULTANTS INC3 Filed as: CREATIVE BENEFIT CONSULTANTS, INC. | 18214 102ND WAY S, STE 100 BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $6K | $10K | 10.60% |
| CAROLE J CASELLA3 | 106 WATERVIEW DRIVE PALM BEACH GARDENS, FL 33418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $3K | $9K | 9.24% |
| LYNN MARIE BARRY3 | 301 W PARK AVENUE LANGHORNE, PA 19047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $3K | $7K | 6.62% |
| CHRISTINA BIEBER3 | 12827 WOODMILL DRIVE PALM BEACH GARDENS, FL 33418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $475 | $5K | 4.96% |
| YESENIA HENOHE OSORIO3 | 13611 ISHNALA CIRCLE WELLINGTON, FL 33414 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $501 | $3K | 3.42% |
| JOSEPH A STALTARE3 Filed as: JOSEPH STALTARE | 11085 SACCO DRIVE BOCA RATON, FL 33428 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $992 | $2K | $3K | 2.83% |
| ROBERT HYLTON3 | 6287 GARRETT STREET JUPITER, FL 33458 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $81 | $3K | 2.78% |
| EPIC3 Filed as: EPIC SOLUTIONS ENTERPRISE | 132 SW 113TH AVENUE MIAMI, GA 33174 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $565 | $2K | 2.38% |
| EDIANNETTE ROSADOFONSECA3 | 842 COUNTRY CROSSING CT KISSIMMEE, FL 34744 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $49 | $1K | 1.41% |
| GEOVANNY ENCARNACION3 | 11754 NW 1ST STREET CORAL SPRINGS, FL 33071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $818 | $0 | $818 | 0.83% |
| JANET IBANEZ3 | 17501 SW 92ND COURT PALMETTO BAY, FL 33157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $203 | $196 | $399 | 0.40% |
| THE MEEHAN AGENCY LLC3 | 1924 DOWN HOLLOW LANE WINDERMERE, FL 34786 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $203 | $88 | $291 | 0.30% |
| ROGER HUGH JONES3 Filed as: ROGER HUGHES JONES | 10524 IBIS RESERVE CIRCLE WEST PALM BEACH, FL 33412 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | $184 | $251 | 0.25% |
| WENDOLYN ISOLA3 | 9271 CARIBBEAN BLVD CUTLER BAY, FL 33157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $137 | $82 | $219 | 0.22% |
| JACQUELINE SUMMER CHADWICK3 | 2267 ROUNDTOP ROAD ELLIJAY, GA 30540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $109 | $0 | $109 | 0.11% |
| ALIDA MARIA DEL CID3 | 5844 NW 71ST TER PARKLAND, FL 33067 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $60 | $0 | $60 | 0.06% |
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 | 113 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 106 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 106 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.