| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PARKWAY SUITE DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $4K | $0 | $4K | 0.09% |
| TOMORROWS SOLUTION INC3 Filed as: TOMORROWS SOLUTION, INC. | 2841 NORTHEAST 55TH PLACE FORT LAUDERDALE, FL 33308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41K | $3K | $45K | 33.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 161 WASHINGTON STREET, SUITE 1200 CONSHOHOCKEN, PA 19428 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34K | $4K | $38K | 28.17% |
| TULASI ANGELICA ASURZA3 Filed as: TULASI A. ASURZA AND OTHERS AGENTS | 4679 SW 154TH COURT MIAMI, FL 33185 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16K | $3K | $18K | 13.68% |
| EM PROPERTY & CASUALTY LLC3 Filed as: EM PROPERTY & CASUALTY, LLC | 13500 SW 88TH STREET, SUITE 287 MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $2K | $9K | 7.00% |
| CHERYL ANN HERNANDEZ3 | 833 SW CURRY STREET PORT ST LUCIE, FL 34983 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $3K | $9K | 6.67% |
| LUIS CARLOS GONZALEZ3 Filed as: LUIS CARLOS GONZALEZ, SR. | 6755 MIAMI LAKES DRIVE APARTMENT J135 MIAMI LAKES, FL 33014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $1K | $6K | 4.19% |
| PERLA SPIRGEL3 | 10886 BLUE PALM STREET PLANTATION, FL 33324 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $336 | $3K | 2.33% |
| TOMORROWS SOLUTION INC3 Filed as: TOMORROWS SOLUTION, INC. | 2841 NE 55TH PLACE FORT LAUDERDALE, FL 33308 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13K | $0 | $13K | 25.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9850 NW 41ST STREET, SUITE 100 MIAMI, FL 33178 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | $0 | $10K | 19.16% |
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 | 1,953 | 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) | 1,953 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 777 | $17.4M |
| Dental | FLORIDA COMBINED LIFE | 1,318 | $815K |
| Vision | BLUECROSSS BLUESHIELD OF FLORIDA, INC. | 2,418 | $891K |
| Life insurance | USABLE LIFE | 1,953 | $4.1M |
| Short-term disability | USABLE LIFE | 1,953 | $4.1M |
| Long-term disability | USABLE LIFE | 1,953 | $4.1M |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 777 | $17.4M |
| Other(3 contracts, 3 carriers) | USABLE LIFE | 1,953 | $4.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,418 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.