| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTURY ADVISORY SERVICES, INC.3 Filed as: CENTURY ADVISORY SERVICES | 1900 NW CORPORATE BOULEVARD SUITE 400E BOCA RATON, FL 33431 | HEALTH OPTIONS, INC. | $28K | $0 | $28K | 5.00% |
| CENTURY ADVISORY SERVICES, INC.3 | 1900 NW CORPORATE BOULEVARD SUITE 400E BOCA RATON, FL 33431 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 15.00% |
| CENTURY ADVISORY SERVICES, INC.3 | 1900 NW CORPORATE BOULEVARD SUITE 400E BOCA RATON, FL 33431 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 8.55% |
| USI INSURANCE SERVICES LLC3 | 201 ALHAMBRA CIRCLE, SUITE 1401 CORAL GABLES, FL 331345108 | UNITEDHEALTHCARE INSURANCE COMPANY | -$26 | $0 | -$26 | -0.07% |
| SINGLE POINT ENROLLMENT SOLUTIONS3 | 12002 SW 128TH COURT, SUITE 201 MIAMI, FL 33186 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $2K | $3K | 13.11% |
| CENTURY ADVISORY SERVICES, INC.3 | 1900 NW CORPORATE BOULEVARD SUITE 400E BOCA RATON, FL 33431 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 10.43% |
| ANDREA BROWNING3 | 145 19TH AVENUE SE SAINT PETERSBURG, FL 33705 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $637 | $402 | $1K | 4.35% |
| MJ INSURANCE3 Filed as: BRITO BENEFITS AND VARIOUS AGENTS | 14716 SW 112TH TERRACE MIAMI, FL 33196 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $635 | $171 | $806 | 3.37% |
| MICHAEL ALAN SCHOOLEY3 | 11107 SW 138TH PLACE MIAMI, FL 33186 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $681 | $59 | $740 | 3.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ADAM BROWN | 700NE 7TH AVENUE, APARTMENT 6 FORT LAUDERDALE, FL 33304 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $457 | $189 | $646 | 2.70% |
| USI INSURANCE SERVICES LLC3 | 201 ALHAMBRA CIRCLE CORAL GABLES, FL 331345108 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $494 | $13 | $507 | 2.12% |
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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH OPTIONS, INC. | 72 | $560K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 107 | $36K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 107 | $36K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $39K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $39K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $39K |
| Prescription drug | HEALTH OPTIONS, INC. | 72 | $560K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.