| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 161 WASHINGTON STREET, SUITE 1200 CONSHOHOCKEN, PA 19428 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $553 | $6K | 5.92% |
| CHRISTINA BIEBER3 | 12827 WOODMILL DRIVE PALM BEACH GARDENS, FL 33418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $55 | $5K | 4.34% |
| YESENIA HENOHE OSORIO3 | 13611 ISHNALA CIRCLE WELLINGTON, FL 33414 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $458 | $3K | 2.42% |
| ROBERT HYLTON3 | 6287 GARRETT STREET JUPITER, FL 33458 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $157 | $2K | 1.49% |
| CREATIVE BENEFIT CONSULTANTS INC3 Filed as: CREATIVE BENEFIT CONSULTANTS, INC. | 18214 102ND WAY SOUTH, SUITE 100 BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $880 | $636 | $2K | 1.42% |
| STEVEN J. OLSEN3 Filed as: STEVEN OLSEN AND OTHER AGENTS | 32801 US HIGHWAY 441 NORTH, LOT 151 OKEECHOBEE, FL 34972 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $90 | $1K | 1.18% |
| LYNN MARIE BARRY3 | 301 WEST PARK AVENUE LANGHORNE, PA 19047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $304 | $141 | $445 | 0.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 218 SOUTH US HIGHWAY 1, SUITE 300 TEQUESTA, FL 33469 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $656 | $98 | $754 | 5.75% |
| LAYMAN & ASSOC INC3 Filed as: LAYMAN & ASSOC., INC. | 2110 MARK DRIVE LAKE WORTH, FL 33461 | AFLAC | $60 | $0 | $60 | 5.16% |
| CURRY N KIMMEY JR3 Filed as: CURRY N. KIMMEY JR AND OTHER AGENTS | PO BOX 246 SAFETY HARBOR, FL 34695 | AFLAC | $25 | $0 | $25 | 2.15% |
| KAREN ZABAGLO3 Filed as: KAREN KRUS ZABAGLO | PO BOX 2029 HOBE SOUND, FL 33475 | AFLAC | $19 | $0 | $19 | 1.64% |
| STEVEN J. OLSEN3 | 32801 US HIGHWAY 441 NORTH, LOT 151 OKEECHOBEE, FL 34972 | AFLAC | $15 | $0 | $15 | 1.29% |
| KENDALL C HUDSON3 Filed as: KENDALL C. HUDSON | 1645 PALM BEACH LAKES BOULEVARD SUITE 1200 WEST PALM BEACH, FL 33401 | AFLAC | $12 | $0 | $12 | 1.03% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE ROAD THOMSON, GA 30824 | AFLAC | $7 | $0 | $7 | 0.60% |
| LANCE E SULLIVAN3 Filed as: LANCE E. SULLIVAN | 3619 SANWOOD STREET LAS VEGAS, NV 89147 | AFLAC | $6 | $0 | $6 | 0.52% |
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 | 111 | 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) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 172 | $2.2M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 235 | $92K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 235 | $92K |
| Life insurance(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 235 | $207K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 88 | $108K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10 | $13K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 172 | $2.2M |
| Other(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 172 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.