| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOMORROWS SOLUTION INC3 Filed as: TOMORROWS SOLUTION, INC. | 2841 NE 55TH PLACE FORT LAUDERDALE, FL 33308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74K | $6K | $80K | 18.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 161 WASHINGTON STREET SUITE 1200 CONSHOHOCKEN, PA 19428 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56K | $3K | $59K | 13.53% |
| EM PROPERTY & CASUALTY LLC3 Filed as: EM PROPERTY AND CASUALTY, LLC | 13500 SW 88TH STREET SUITE 287 MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40K | $15K | $55K | 12.48% |
| PAUL MARTIN WALKINGTON AND OTHERS3 | 10100 SW 99TH AVENUE MIAMI, FL 33183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17K | $4K | $21K | 4.90% |
| EM INSURANCE AND FINANCIAL SERVICES3 | 4679 SW 154TH COURT MIAMI, FL 33185 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14K | $5K | $19K | 4.38% |
| CHARLES ROBERT MAURICE3 | 3311 NW 26TH AVENUE GAINESVILLE, FL 32605 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $0 | $6K | 1.36% |
| CLAUDIA ATALIA SANCHEZ ROZO3 | 23150 SW 129 PLACE MIAMI, FL 33170 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $767 | $6K | 1.28% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT AND SON, INC. | 400 BELLEMEADE STREET GREENSBORO, NC 27401 | NATIONAL UNION FIRE INSURANCE CO | $755 | — | $755 | 14.99% |
| TOMORROWS SOLUTION INC3 Filed as: TOMORROWS SOLUTION, INC. | 2841 NE 55TH PLACE FORT LAUDERDALE, FL 33308 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 25.84% |
| TRION GROUP, INC.3 Filed as: TRION GROUP | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $904 | $904 | 21.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $790 | $0 | $790 | 19.03% |
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 | 1,795 | 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) | 1,795 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 710 | $17.4M |
| Dental | FLORIDA COMBINED LIFE | 1,065 | $701K |
| Vision | BLUECROSSS BLUESHIELD OF FLORIDA, INC. | 896 | $168K |
| Life insurance | USABLE LIFE | 1,796 | $3.9M |
| Short-term disability | USABLE LIFE | 1,796 | $3.9M |
| Long-term disability | USABLE LIFE | 1,796 | $3.9M |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 710 | $17.4M |
| Other(4 contracts, 4 carriers) | USABLE LIFE | 1,796 | $4.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,796 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.