| 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 AND ACCIDENT INSURANCE COMPANY | $8K | $721 | $9K | 8.29% |
| CHRISTINA BIEBER3 | 12827 WOODMILL DRIVE PALM BEACH GARDENS, FL 33418 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $572 | $6K | 5.56% |
| YESENIA HENOHE OSORIO3 | 13611 ISHNALA CIRCLE WELLINGTON, FL 33414 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $442 | $3K | 3.00% |
| ROBERT HYLTON3 Filed as: ROBERT HYLTON AND OTHER AGENTS | 6287 GARRETT STREET JUPITER, FL 33458 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $135 | $2K | 1.90% |
| CREATIVE BENEFIT CONSULTANTS INC3 Filed as: CREATIVE BENEFIT CONSULTANTS, INC. | 18214 102ND WAY SOUTH, SUITE 100 BOCA RATON, FL 33498 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $841 | $545 | $1K | 1.34% |
| SHEILA WALKER3 | 9770 SOUTH MILL TRAIL, SUITE B4 PMB 244 BOYNTON BEACH, FL 33436 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 1.22% |
| ARTHUR HOFFMAN3 | 5074 NW 86TH WAY CORAL SPRINGS, FL 33067 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $480 | $0 | $480 | 0.47% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $78 | $78 | 0.08% |
| 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 | $952 | $143 | $1K | 5.75% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PARKWAY SUITE DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $50 | $0 | $50 | 0.62% |
| LAYMAN & ASSOC INC3 Filed as: LAYMAN & ASSOCIATES, INC. | 2110 MARK DRIVE LAKE WORTH, FL 33461 | AFLAC | $106 | $0 | $106 | 5.08% |
| CURRY N KIMMEY JR3 Filed as: CURRY N. KIMMEY AND OTHER AGENTS | PO BOX 246 SAFETY HARBOR, FL 34695 | AFLAC | $46 | $0 | $46 | 2.21% |
| KAREN ZABAGLO3 Filed as: KAREN KRUS ZABAGLO | 2325 NW FORK ROAD STUART, FL 34994 | AFLAC | $35 | $0 | $35 | 1.68% |
| STEVEN J. OLSEN3 | 32801 US HIGHWAY 441 NORTH, LOT 151 OKEECHOBEE, FL 34972 | AFLAC | $28 | $0 | $28 | 1.34% |
| KENDALL C HUDSON3 Filed as: KENDALL C. HUDSON | 1645 PALM BEACH LAKES BOULEVARD SUITE 1200 WEST PALM BEACJ, FL 33401 | AFLAC | $23 | $0 | $23 | 1.10% |
| C HUDSON AND ASSOCIATES3 Filed as: C. HUDSON AND ASSOCIATES | 2843 TWIN PINE ROAD THOMSON, GA 30824 | AFLAC | $14 | $0 | $14 | 0.67% |
| LANCE E SULLIVAN3 Filed as: LANCE E. SULLIVAN | 3619 SANWOOD STREET LAS VEGAS, NV 89147 | AFLAC | $9 | $0 | $9 | 0.43% |
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 | 122 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 152 | $2.0M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 215 | $98K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 215 | $98K |
| Life insurance(3 contracts, 3 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 215 | $209K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 84 | $105K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 13 | $19K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 152 | $2.0M |
| Other(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 152 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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.