| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SINGLE POINT ENROLLMENT SOLUTIONS3 | 12002 SW 128TH COURT SUITE 201 MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $4K | $8K | 5.49% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROW INSURANCE SOLUTIONS IN | 901 MARQUETTE AVENUE SUITE 1800 MINNEAPOLIS, MN 55402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $1K | $7K | 4.89% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 8TH STREET MINNEAPOLIS, MN 55402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 2.58% |
| FLORIDA GROUP BENEFITS INC3 Filed as: FLORIDA GROUP BENEFITS | 8421 SOUTH WEST 124TH AVENUE APT. 103 MIAMI, FL 33183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $106 | $3K | 1.94% |
| WALTER LUISENRIQUE BENITEZ3 | 12002 SW 128TH COURT SUITE 207 MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.27% |
| ELIZABETH SANGUILY3 | 8421 SOUTHWEST 124TH AVE APT 103 MIAMI, FL 33183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $113 | $1K | 0.91% |
| WORLD PRIME SOLUTIONS3 | 7000 NOVA DRIVE APT. 203 DAVIE, FL 33317 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $805 | $327 | $1K | 0.78% |
| BRITO BENEFITS SOLUTIONS INC3 Filed as: BRITO BENEFIT SOLUTIONS INC | 14716 SOUTHWEST 112 TERR MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $894 | $213 | $1K | 0.76% |
| ESQUEN INSURANCE GROUP CORP3 Filed as: ESQUEN INSURANCE GROUP | 14552 SW 152ND PLACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $563 | — | $563 | 0.39% |
| ALBERT SIDO3 Filed as: ALBERT WEALTH MANAGEMENT LLC | 2201 SW 42 TERRACE FORT LAUDERDALE, FL 33317 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $445 | — | $445 | 0.31% |
| THE FAMILY INSURANCE DISCOUNT3 | 12010 SW 135TH TERRACE MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $382 | $22 | $404 | 0.28% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ADAM IRA BROWN | 700 NE 7TH AVE #6 FT LAUDERDALE, FL 33304 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $323 | $70 | $393 | 0.27% |
| SHEALY BENEFITS SERVICES INC3 | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $354 | — | $354 | 0.24% |
| MICHAEL MARSHALL3 | 1134 SE 6TH CT DANIA BEACH, FL 33004 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $242 | — | $242 | 0.17% |
| JUDITH I VIDAL3 | 7280 STIRLING ROAD APT 105 HOLLYWOOD, FL 33024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $193 | — | $193 | 0.13% |
| MICHAEL GUTIERREZ3 | 4703 WEST MCELROY AVENUE APT. 19 TAMPA, FL 33611 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $118 | $3 | $121 | 0.08% |
| MORFAR STRATEGIES INC3 | 10380 NW 52 ST CORAL SPRINGS, FL 33076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74 | — | $74 | 0.05% |
| GINA MARIE MARTINEZ3 | 2400 NE 36TH ST APT 7 LIGHTHOUSE POINT, FL 33064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | — | $46 | 0.03% |
| MICHAEL ALAN SCHOOLEY3 | 11107 SW 138TH PLACE MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.03% |
| CRAIG WAYNE SOTTILE3 | 3652 NORTH EAST 19TH AVENUE FORT LAUDERDALE, FL 33308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.03% |
| MODERN LIFE FINANCIAL GROUP3 | 2826 SOUTHWEST 145 CT MIAMI, FL 33175 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.02% |
| MS HEALTH ECONOMICS CONSULTANTS LLC3 Filed as: MS HEALTH ECONOMICS CONSULTANTS | 10459 SW 78TH ST MIAMI, FL 33173 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.02% |
| CAROLYN GROVER3 | 206 FOX CHAPEL DRIVE IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.01% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEMS INC | 145 RIVER LANDING DRIVE UNIT 203 DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| NELSON G FABAL3 | 17820 NW 84TH AVE HIALEAH, FL 33015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| SEVA GROUP LLC3 | 731 CYPRESS POINTE LANE HAYNESVILLE, NC 28904 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.01% |
| ERIN WIGGINS3 | 1738 MOHAWK AVE CHARLESTON, SC 29412 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| STEVEN VERMETTE INC3 | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| SAUL JAKUBOWICZ3 | 1421 EAST HAWTHORNE CIRCLE HOLLYWOOD, FL 33021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| JUAN PABLO CONTESSE3 | 12120 SW 106TH ST MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| MARIA D KADALA3 Filed as: MARIA DOLORES KADALA | 1830 N UNIVERSITY DR PLANTATION, FL 33322 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| ADVANCED AGENTS INC3 | 1488 CORONADO ROAD WESTON, FL 33327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| AMY E COHEN3 | 19967 VILLA LANTE PLACE BOCA RATON, FL 33434 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| LESLIE BRERETON3 | 2125 NE 63RD CT FT. LAUDERDALE, FL 33308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| CORY JOSEPH FANECA3 | 3308 50TH AVE EAST BRADENTON, FL 34203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| LISA M RUSSEY3 | 10380 NW 52 STREET CORAL SPRINGS, FL 33076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| SINGLE POINT ENROLLMENT SOLUTIONS3 | 12002 SW 128TH COURT SUITE 201 MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $926 | $2K | 5.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROW INSURANCE SOLUTIONS | 901 MARQUETTE AVENUE SUITE 1800 MINNEAPOLIS, MN 55402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $402 | $2K | 4.70% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ADAM IRA BROWN | 700 NE 7TH AVENUE #6 FT LAUDERDALE, FL 33304 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $973 | $182 | $1K | 2.78% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 8TH STREET MINNEAPOLIS, MN 55402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $967 | — | $967 | 2.32% |
| AMY E COHEN3 | 19967 VILLA LANTE PLACE BOCA RATON, FL 33434 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $764 | $75 | $839 | 2.02% |
| WALTER LUISENRIQUE BENITEZ3 | 12002 SW 128TH COURT SUITE 207 MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $535 | — | $535 | 1.29% |
| PEACOCK FINANCIALS INC3 | 11830 NW 32ND MANOR SUNRISE, FL 33323 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $83 | $148 | $231 | 0.56% |
| BRITO BENEFITS SOLUTIONS INC3 | 14716 SOUTHWEST 112 TER MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $162 | $32 | $194 | 0.47% |
| ESQUEN INSURANCE GROUP CORP3 | 14552 SW 152ND PLACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $111 | — | $111 | 0.27% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $99 | — | $99 | 0.24% |
| ISAACSON INSURANCE AGENCY LLC3 | 1821 NORTH WEST 23TH PLACE PORTLAND, OR 97210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | — | $55 | 0.13% |
| JUDITH I VIDAL3 | 7280 STIRLING RD APT 105 HOLLYWOOD, FL 33024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.08% |
| RENAE BILLINGSLEY3 | 1143 EAST 300 SOUTH BOUNTIFUL, UT 84010 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.05% |
| MORFAR STRATEGIES INC3 | 10380 NW 52NS ST CORAL SPRINGS, FL 33076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.04% |
| CAROLYN GROVER3 | 206 FOX CHAPEL DR IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.04% |
| CASSANDRA KRAMER3 | 1465 N AUGUST DR SARATOGA SPRINGS, UT 84045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.03% |
| MS HEALTH ECONOMICS CONSULTANTS LLC3 | 10459 SW 78TH ST MIAMI, FL 33173 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.03% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEMS INC | 145 RIVER LANDING DRIVE UNIT 203 DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| NELLYN COX3 | 16552 EAST ASHBROOK DRIVE FOUNTAIN HILLS, AZ 85268 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| DESIREE WENDELL3 | 38986 GRAND AVENUE NORTH BRANCH, MN 55056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 1201 WEST CYPRESS CREEK ROAD SUITE 130 FORT LAUDERDALE, FL 33309 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $526 | $4K | 20.86% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INSURANCE AGENCY | 100 S PLANTATION RD STE 225 PLANTATION, FL 33324 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $276 | — | $276 | 1.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SOLUTIONS | 901 MARQUETTE AVENUE SUITE 1800 MINNEAPOLIS, MN 55402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $456 | $94 | $550 | 4.18% |
| SINGLE POINT ENROLLMENT SOLUTIONS3 | 12002 SW 128TH COURT, SUITE 201 MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $256 | $234 | $490 | 3.73% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 80 S 8TH STREET MINNEAPOLIS, MN 55402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $284 | — | $284 | 2.16% |
| WORLD PRIME SOLUTIONS3 | 7000 NOVA DRIVE APT. 203 DAVIE, FL 33317 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $110 | $45 | $155 | 1.18% |
| FLORIDA GROUP BENEFITS INC3 Filed as: FLORIDA GROUP BENEFITS | 8421 SOUTH WEST 124TH AVENUE APT 103 MIAMI, FL 33183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $144 | $6 | $150 | 1.14% |
| WALTER LUISENRIQUE BENITEZ3 | 12002 SW 128TH COURT SUITE 207 MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $107 | — | $107 | 0.81% |
| ESQUEN INSURANCE GROUP CORP3 | 14552 SW 152ND PLACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $101 | — | $101 | 0.77% |
| ELIZABETH SANGUILY3 Filed as: ELIZABETH SANGUILLY | 8421 SW 124TH AVENUE, APT 103 MIAMI, FL 33183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | $6 | $68 | 0.52% |
| BRITO BENEFITS SOLUTIONS INC3 | 14716 SW 112TH TIER MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | $13 | $65 | 0.49% |
| JUDITH I VIDAL3 | 7280 STIRLING ROAD APT 105 HOLLYWOOD, FL 33024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | — | $58 | 0.44% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES INC. | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.27% |
| MICHAEL MARSHALL3 | 1134 SE 6TH COURT DANIA BEACH, FL 33004 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.22% |
| ALBERT SIDO3 Filed as: ALBERT WEALTH MANAGEMENT LLC | 2201 SW 42ND TERRACE FT LAUDERDALE, FL 33317 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.16% |
| CRAIG WAYNE SOTTILE3 | 3652 NORTH EAST 19TH AVENUE FT LAUDERDALE, FL 33308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.05% |
| GINA MARIE MARTINEZ3 | 2400 NE 36TH ST, APT 7 LIGHTHOUSE POINT, FL 33064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.04% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEMS INC | 145 RIVER LANDING DRIVE UNIT 203 DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| SEVA GROUP LLC3 | 731 CYPRESS POINTE LANE HAYESVILLE, NC 28904 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| STEVEN VERMETTE INC3 | 731 CYPRESS POINTE LANE HAYESVILLE, NC 28904 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
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 | 190 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 38 | $18K |
| Other(3 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 123 | $200K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.