| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARK EDWARD PARTNERS LLC3 Filed as: MARK EDWARD PARTNERS, LLC | 505 PARK AVENUE NEW YORK, NY 10022 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $0 | $6K | 0.23% |
| MARK EDWARD PARTNERS LLC3 Filed as: MARK EDWARD PARTNERS, LLC | 440 ROYAL PALM WAY PALM BEACH, FL 33480 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 0.07% |
| NATIONAL AGENCY SOLUTIONS LLC3 Filed as: NATIONAL AGENCY SOLUTIONS, LLC | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $12K | $0 | $12K | 9.99% |
| MARK EDWARD PARTNERS LLC3 Filed as: MARK EDWARD PARTNERS, LLC | 440 ROYAL PALM WAY, SUITE 200 PALM BEACH, FL 33480 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $9K | $0 | $9K | 8.00% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $415 | $15 | $430 | 2.77% |
| NATALIA DURAN GUZMAN3 | 1945 SW 25TH TERRACE MIAMI, FL 33133 | AFLAC | $328 | $11 | $339 | 2.19% |
| MJ INSURANCE3 Filed as: MARTA M. SASTRE AND VARIOUS AGENTS | 1214 COLUMBUS BOULEVARD CORAL GABLES, FL 33134 | AFLAC | $339 | $0 | $339 | 2.19% |
| BRITTANY GOODRICH3 | 10637 WEST 32ND LANE HIALEAH, FL 33018 | AFLAC | $282 | $0 | $282 | 1.82% |
| ALESSANDRA SANCHEZ MEDINA3 Filed as: ALESSANDRA C. SANCHEZ MEDINA | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $125 | $10 | $135 | 0.87% |
| MARIA C ORTIZ3 Filed as: MARIA C. ORTIZ | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $112 | $0 | $112 | 0.72% |
| CINDY K CORVI3 Filed as: CINDY K. CORVI | 24240 GALLBERRY DRIVE VENICE, FL 34293 | AFLAC | $105 | $0 | $105 | 0.68% |
| B & B INSURANCE SOLUTIONS INC3 Filed as: B&B INSURANCE SOLUTIONS, INC. | 12002 SW 128TH COURT MIAMI, FL 33186 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $301 | $185 | $486 | 3.95% |
| MJ INSURANCE3 Filed as: WALTER L BENITEZ AND VARIOUS AGENTS | 12002 SW 128TH COURT, SUITE 207 MIAMI, FL 33186 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $323 | $4 | $327 | 2.66% |
| THEODORE JAMES MCGONIGAL3 | 1715 MARSH POINTE DRIVE CLERMONT, FL 34711 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $219 | — | $219 | 1.78% |
| MICHEL GUTIERREZ3 | 29244 SW 142ND PLACE HOMESTEAD, FL 33033 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $142 | $9 | $151 | 1.23% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ADAM IRA BROWN | 700 NE 7TH AVENUE, SUITE 6 FORT LAUDERDALE, FL 33304 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $115 | $16 | $131 | 1.06% |
| BRITO BENEFITS SOLUTIONS INC3 Filed as: BRITO BENEFITS SOLUTIONS, INC. | 14716 SW 112TH TERRACE MIAMI, FL 33196 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $71 | $38 | $109 | 0.89% |
| SINGLE POINT ENROLLMENT SOLUTIONS3 | 12002 SW 128TH COURT, SUITE 201 MIAMI, FL 33186 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $55 | $50 | $105 | 0.85% |
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 | 372 | 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) | 372 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 635 | $2.6M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 635 | $2.6M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 635 | $2.6M |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 635 | $2.6M |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 20 | $12K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 635 | $2.6M |
| Other(4 contracts, 4 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 635 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 635 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.