| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CUNDY, INC.3 | PO BOX 24080 FT. LAUDERDALE, FL 333074080 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $48K | $48K | 3.49% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 1460 US HIGHWAY 9 N STE 200 WOODBRIDGE, NJ 070951400 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $24K | $24K | 1.77% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SERVICE | 1460 US HIGHWAY 9 NORTH SUITE 200 WOODBRIDGE, NJ 07095 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 2.73% |
| CUNDY, INC.3 Filed as: CUNDY INSURANCE AGENCY, INC. | PO BOX 24080 FT. LAUDERDALE, FL 33307 | STARMOUNT LIFE INSURANCE COMPANY | $10K | $2K | $12K | 8.18% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH DBA CAMPBELL PETRIE | 570 WEST MOUNT PLEASANT AVENUE LIVINGSTON, NJ 07039 | STARMOUNT LIFE INSURANCE COMPANY | $6K | — | $6K | 4.42% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | STARMOUNT LIFE INSURANCE COMPANY | $3K | $2K | $5K | 3.30% |
| CUNDY, INC.3 | PO BOX 24080 FT LAUDERDALE, FL 33307 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35K | $4K | $39K | 32.60% |
| ACHIOTE ENTERPRISES INC3 Filed as: ACHIOTE ENTERPRISES, INC. | 9647 SUGAR PINES CT DAVIE, FL 33328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $6K | $11K | 9.18% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 1460 US HIGHWAY 9 NORTH SUITE 200 WOODBRIDGE, NJ 07095 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 4.90% |
| BENEFITLAB INC3 | 9647 SUGAR PINES COURT DAVIE, FL 33328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $4K | 3.62% |
| MICHAEL MARSHALL3 | 1134 SE 6TH CT DANIA BEACH, FL 33004 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 3.49% |
| EPIC3 Filed as: EPIC SOLUTIONS ENTERPRISE | 132 SW 113 AVENUE MIAMI, FL 33174 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $495 | $4K | 3.37% |
| GABRIEL A ELIJACH3 Filed as: GABRIEL A ELJACH | 12781 SW 65 STREET MIAMI, FL 33183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $645 | $2K | 1.77% |
| WORLD PRIME SOLUTIONS3 | 7000 NOVA DRIVE DAVIE, FL 33317 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $554 | $2K | 1.74% |
| GUSTAVO LIMA FELIPE3 | 11548 BIG SKY COURT BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $255 | $2K | 1.50% |
| LOREN RENEE CRONIN3 | 4118 GREENFERN DR ORLANDO, FL 32810 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.50% |
| JENNIFER ROMO3 Filed as: JENNIFER ROMO-VALDES | 841 E 18TH STREET HIALEAH, FL 33013 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.95% |
| MARY-JOYCE LICATA3 | 24 CORIANDER LN NORTH KINGSTOWN, RI 02852 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $619 | $227 | $846 | 0.70% |
| MAGDALY SANTOS3 | 1032 RAINBOW CIRCLE PITTSGROVE, NJ 08318 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $768 | $17 | $785 | 0.65% |
| LUC JOSEPH3 | 548 NW 51ST ST MIAMI, FL 33127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $734 | — | $734 | 0.61% |
| DOUGLAS ROBERT BORLAND3 | 919 SCOTT STREET WILKES-BARRE, PA 18705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $511 | $8 | $519 | 0.43% |
| BETTER CHOICE HEALTH LLC3 | 4461 NE 30 AVENUE LIGHTHOUSE POINT, FL 33064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $388 | $72 | $460 | 0.38% |
| BENJAMIN DARANG3 | 2901 NW 48 AVENUE APT 167 LAUDERDALE LAKES, FL 33313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $396 | $6 | $402 | 0.33% |
| PEACOCK FINANCIALS INC3 Filed as: PEACOCK FINANCIALS, INC. | 11830 NW 32ND MNR SUNRISE, FL 33323 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $124 | $227 | $351 | 0.29% |
| WILLIAM MARC ALVISO3 | 3553 TWOGOOD LANE RIVERSIDE, CA 90501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $317 | — | $317 | 0.26% |
| MCO PARTNERS LLC3 | 315 WEST 39TH STREET SUITE 303 NEW YORK, NY 10018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $185 | $114 | $299 | 0.25% |
| ALBERT SIDO3 | 2201 SW 4ND TERRACE FT. LAUDERDALE, FL 33317 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $284 | — | $284 | 0.23% |
| LISA CAPOZZI3 Filed as: LISA MARIE CAPOZZI | 242 WICKERBERRY DRIVE MIDDLETOWN, DE 19709 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | $183 | $215 | 0.18% |
| B & B INSURANCE SOLUTIONS INC3 Filed as: B&B INSURANCE SOLUTIONS, INC. | 14716 SW 112 TERRACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $85 | $96 | $181 | 0.15% |
| SILVIA AGUILAR ALVISO3 | 5809 ALIMAR DRIVE LAS VEGAS, NV 89130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $164 | $1 | $165 | 0.14% |
| MICHAEL HENSH3 Filed as: MICHAEL BRYAN HENSH | 64 KERRY LYNN COURT WILLIAMSTOWN, NJ 08094 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | $127 | $159 | 0.13% |
| CREATIVE BENEFIT CONSULTANTS INC3 Filed as: CREATIVE BENEFIT CONSULTANTS, INC. | 18214 102ND WAY S BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $98 | $55 | $153 | 0.13% |
| ANTHONY ACCILIEN3 | 15764 HUMMINGBIRD LN WESTLAKE, FL 33470 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $123 | — | $123 | 0.10% |
| BRITO BENEFITS SOLUTIONS INC3 Filed as: BRITO BENEFITS SOLUTIONS, INC. | 14716 SOUTHWEST 112 TER MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $85 | $31 | $116 | 0.10% |
| ERIC ALEXANDER NOVOA3 | 17871 SHADY VIEW DRIVE CHINO HILLS, CA 91709 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71 | $16 | $87 | 0.07% |
| JOSEPH A STALTARE3 | 11085 SACCO DRIVE BOCA RATON, FL 33428 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | $20 | $85 | 0.07% |
| KARIN ANGELIS3 | 2639 N RIVERSIDE DRIVE POMPANO BEACH, FL 33062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | $17 | $78 | 0.06% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD. HAUPPAUGE, NY 11788 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | — | $75 | 0.06% |
| ALBERT SIDO3 Filed as: ALBERT WEALTH MANAGEMENT LLC | 2201 SW 42ND TERRACE FORT LAUDERDALE, FL 33317 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | — | $72 | 0.06% |
| CONSUMER DRIVEN BENEFITS LLC3 Filed as: CONSUMER DRIVEN BENEFITS, LLC | 1301 DOVE STREET NEWPORT BEACH, CA 92660 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | $33 | $62 | 0.05% |
| MARIELENA HERRERA3 | 10920 NW 67TH STREET DORAL, FL 33178 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | — | $62 | 0.05% |
| ENROLLMENT SOLUTIONS LTD3 Filed as: ENROLLMENT SOLUTIONS, LTD | 65 BURBANK ROAD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | $30 | $58 | 0.05% |
| ESQUEN INSURANCE GROUP CORP3 | 14552 SW 152ND PLACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | $21 | $55 | 0.05% |
| GENE ALVISO3 | 5809 ALIMAR DRIVE LAS VEGAS, NV 89130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | — | $46 | 0.04% |
| JASON C KOSTIK3 Filed as: JASON CHRISTOPHER KOSTIK | 120 W MORELAND AVENUE HATBORO, PA 19040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.04% |
| COLGATE BENEFITS INC3 Filed as: COLGATE BENEFITS INC. | 43 MAGILL DR GRAFTON, MA 01519 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $5 | $31 | 0.03% |
| ARLENE DARANG3 | 2901 NW 48TH AVENUE LAUDERDALE LAKES, FL 33313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.01% |
| ANDREA R. HENCHEY3 | 5 EDGEMERE BLVD. SHREWSBURY, MA 01545 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $2 | $5 | 0.00% |
| TINA HERNANDEZ3 | 11779 W COCOPAH STREET AVONDALE, AZ 85323 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $2 | $5 | 0.00% |
| CUNDY, INC.3 Filed as: CUNDY INSURANCE AGENCY, INC. | PO BOX 24080 FT. LAUDERDALE, FL 33307 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $553 | $4K | 7.62% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH DBA CAMPBELL PETRIE | 570 WEST MOUNT PLEASANT AVE LIVINGSTON, NJ 07039 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.24% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $1K | $3K | 4.71% |
| CUNDY, INC.3 Filed as: CUNDY INSURANCE AGENCY, INC. | PO BOX 24080 FT. LAUDERDALE, FL 33307 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $344 | $4K | 14.13% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH DBA CAMPBELL PETRIE | 570 WEST MOUNT PLEASANT AVENUE LIVINGSTON, NJ 07039 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.37% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $722 | $577 | $1K | 4.11% |
| CUNDY, INC.3 Filed as: CUNDY INSURANCE AGENCY, INC. | PO BOX 24080 FT. LAUDERDALE, FL 33307 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $187 | $2K | 10.54% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH DBA CAMPBELL PETRIE | 570 WEST MOUNT PLEASANT AVENUE LIVINGSTON, NJ 07039 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 6.74% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $382 | $305 | $687 | 4.04% |
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 | 322 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 324 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 302 | $1.4M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 358 | $142K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 358 | $142K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 276 | $90K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 276 | $58K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 46 | $17K |
| Other(4 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 276 | $382K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 358 | — |
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.
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.