| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARK EDWARD PARTNERS LLC3 | 505 PARK AVENUE NEW YORK, NY 10022 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $4K | $5K | 0.30% |
| MHG SERVICES INC3 Filed as: MHG SERVICES INC. | 1600 SE 17TH STREET SUITE 410 FORT LAUDERDALE, FL 33316 | UNITEDHEALTHCARE INSURANCE COMPANY | $6 | -$484 | -$478 | -0.03% |
| THE SOUTHERN REGION LLC3 Filed as: THE SOUTHERN REGION, LLC | MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $7K | $0 | $7K | 9.71% |
| MARK EDWARD PARTNERS LLC3 | ROYAL PALM WAY SUITE 200 PALM BEACH, FL 33480 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $6K | $0 | $6K | 7.64% |
| THEODORE JAMES MCGONIGAL3 | 7451 SOUTH ARAGON BOULEVARD SUNRISE, FL 33313 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $375 | $18 | $393 | 3.35% |
| HOWARD HOROWITZ3 | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $143 | $48 | $191 | 1.63% |
| MJ INSURANCE3 Filed as: MOFRA STRATEGIES AND VARIOUS AGENTS | 6990 GRIFFIN ROAD DAVIE, FL 33314 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $130 | $46 | $176 | 1.50% |
| CRYSTAL IBC LLC3 | 2 ALHAMBRA PLAZA SUITE 102 CORAL GABLES, FL 33134 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $82 | $0 | $82 | 0.70% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES INC. | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $52 | $0 | $52 | 0.44% |
| THOMAS SCANLON3 | 121 ROLLING MEADOWS DRIVE HOLLISTON, MA 01746 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $35 | $0 | $35 | 0.30% |
| CREATIVE BENEFIT CONSULTANTS INC3 Filed as: CREATIVE BENEFIT CONSULTANTS INC. | 18214 102ND WAY SOUTH BOCA RATON, FL 33498 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $32 | $0 | $32 | 0.27% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $519 | $0 | $519 | 5.77% |
| MARIA C ORTIZ3 Filed as: MARIA C. ORTIZ | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $124 | $0 | $124 | 1.38% |
| MJ INSURANCE3 Filed as: ROBIN STROUD AND VARIOUS AGENTS | 4196 MERCHANT PLAZA, SUITE 456 WOODBRIDGE, VA 22192 | AFLAC | $116 | $0 | $116 | 1.29% |
| MARTA M SASTRE3 Filed as: MARTA M. SASTRE | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $97 | $0 | $97 | 1.08% |
| ELIZABETH B DAY3 Filed as: ELIZABETH B. DAY | 8617 FORT HUNT ROAD ALEXANDRIA, VA 22308 | AFLAC | $48 | $0 | $48 | 0.53% |
| ALFRED RIETKERK3 | 3120 NE 47TH STREET FORT LAUDERDALE, FL 33308 | AFLAC | $41 | $0 | $41 | 0.46% |
| JOISETT RODRIGUEZ3 | 9513 SW 140TH COURT MIAMI, FL 33183 | AFLAC | $38 | $0 | $38 | 0.42% |
| HOWARD HOROWITZ3 | 2610 ALCOTT STREET CARMEL, IN 46032 | THE PAUL REVERE LIFE INSURANCE COMPANY | $8 | $3 | $11 | 21.57% |
| B & B INSURANCE SOLUTIONS INC3 Filed as: B AND B INSURANCE SOLUTIONS INC. | 14716 SW 112 TERRACE MIAMI, FL 33196 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | $7 | $9 | 17.65% |
| THEODORE JAMES MCGONIGAL3 | 7451 SOUTH ARAGON BOULEVARD SUNRISE, FL 33313 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | $0 | $2 | 3.92% |
| PARRISH J PEACHEE3 | 136 NORTH UNION STREET WESTFIELD, IN 46074 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | $0 | $1 | 1.96% |
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 | 196 | 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) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 276 | $1.7M |
| Dental(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 276 | $1.6M |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 276 | $1.6M |
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 15 | $12K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 15 | $12K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 276 | $1.6M |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 15 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 276 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.