| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 218 SOUTH US HIGHWAY 1 TEQUESTA, FL 33469 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $385 | $3K | 6.14% |
| CHRISTINA BIEBER3 | 12827 WOODMILL DRIVE PALM BEACH GARDENS, FL 33418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $277 | $3K | 5.79% |
| STEVEN OLSEN3 | 126 S ANCHORAGE DR N PALM BEACH, FL 33408 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 2.22% |
| MARIA D KADALA3 | 1830 N. UNIVERSITY DR PLANTATION, FL 33322 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $953 | $176 | $1K | 2.00% |
| KYLE RUSSEY3 | 6921 E WEDGEWOOD AVE DAVIE, FL 33331 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $718 | $345 | $1K | 1.88% |
| MORFAR STRATEGIES INC3 | 6990 GRIFFIN ROAD DAVIE, FL 33314 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $670 | $336 | $1K | 1.78% |
| THEODORE JAMES MCGONIGAL3 | 7451 S ARAGON BLVD SUNRISE, FL 33313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $927 | $24 | $951 | 1.68% |
| LISA M RUSSEY3 | 6990 GRIFFIN ROAD DAVIE, FL 33314 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $490 | $33 | $523 | 0.92% |
| USI INSURANCE SERVICES LLC3 | C/O USI INSURANCE WOBURN, MA 01801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $356 | — | $356 | 0.63% |
| ESQUEN INSURANCE GROUP CORP3 | 14552 SW 152ND PLACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $87 | $31 | $118 | 0.21% |
| GLADYS GONZALEZ3 | 2560-1 E ARAGON BLVD SUNRISE, FL 33313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $104 | — | $104 | 0.18% |
| DUPUY & ASSOCIATES INC3 | PO BOX 1131 ESTERO, FL 33928 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | — | $77 | 0.14% |
| JUDITH I VIDAL3 | 7280 STIRLING RD HOLLYWOOD, FL 33024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | $1 | $73 | 0.13% |
| CORY JOSEPH FANECA3 | 3308 50TH AVE EAST BRADENTON, FL 34203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.03% |
| LAYMAN & ASSOC INC3 | 2110 MARK DR LAKE WORTH, FL 33461 | AFLAC | $129 | — | $129 | 3.88% |
| KAREN ZABAGLO3 | 1743 NW SPRUCE RIDGE DR STUART, FL 34994 | AFLAC | $54 | — | $54 | 1.62% |
| STEVEN J. OLSEN3 Filed as: STEVEN J OLSEN | 126 ANCHORAGE DRIVE S NORTH PALM BEACH, FL 33408 | AFLAC | $42 | — | $42 | 1.26% |
| KENDALL C HUDSON3 | 801 NORTHPOINT PARKWAY STE 35 WEST PALM BEACH, FL 33407 | AFLAC | $41 | — | $41 | 1.23% |
| K AND A BENEFITS LLC3 | 3003 SAN CLARA DR AP C DELRAY BEACH, FL 33445 | AFLAC | $39 | — | $39 | 1.17% |
| GERARD F MCCARTHY3 | 8944 NW 52ND CT CORAL SPRINGS, FL 33067 | AFLAC | $25 | — | $25 | 0.75% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE RD THOMSON, GA 30824 | AFLAC | $22 | — | $22 | 0.66% |
| ECK INC3 | PO BOX 246 SAFETY HARBOR, FL 34695 | AFLAC | $14 | — | $14 | 0.42% |
| PAUL B LAMER3 | 4657 SW TACOMA ST PORT SAINT LUCIE, FL 34953 | AFLAC | $10 | — | $10 | 0.30% |
| STEVEN KAISER3 | 4120 OLD BARK WAY CUMMING, GA 30041 | AFLAC | $9 | — | $9 | 0.27% |
| DEXTER ANTONIO HARRIS3 | 100 GALLERIA PARKWAY SUITE 900 ATLANTA, GA 30339 | AFLAC | $8 | — | $8 | 0.24% |
| LANCE E SULLIVAN3 | 2105 LAVERS CIR APT 211 DELRAY BEACH, FL 33444 | AFLAC | $8 | — | $8 | 0.24% |
| MICHAEL A ORTIZ3 | 3433 VOLTAIRE LANE ST CHARLES, IL 60175 | AFLAC | $5 | — | $5 | 0.15% |
| THOMAS R BAILEY3 | 142 MAPLE COURT NW CHARLESTON, TN 37310 | AFLAC | $2 | — | $2 | 0.06% |
| SUE EUSEPI AND ASSOC INC3 Filed as: SUE EUSEPI | PO BOX 631 JUPITER, FL 33468 | AFLAC | $1 | — | $1 | 0.03% |
| SUSAN P WATLEY3 | 6366 INDEPENDENCE DR COLUMBUS, GA 31909 | AFLAC | $1 | — | $1 | 0.03% |
| FRANK ROBERT SOBOCINSKI3 | 528 SWEET BAY CIR JUPITER, FL 33458 | AFLAC | $1 | — | $1 | 0.03% |
| LANA M KLIMEK3 | 2801 BRAZOS BLVD EULESS, TX 76039 | AFLAC | $1 | — | $1 | 0.03% |
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 | 141 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 140 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 182 | $81K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 182 | $81K |
| Life insurance(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 182 | $140K |
| Short-term disability | AFLAC | 5 | $3K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 182 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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.