| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRANK B DOLPH III & ASSOCIATES INC3 Filed as: FRANK B. DOLPH III & ASSOC., INC. | 100 W. CYPRESS CREEK RD., STE. 962 FT. LAUDERDALE, FL 33309 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $72K | $72K | 4.79% |
| MICHAEL MARSHALL3 | 1134 SE 6TH COURT DANIA BEACH, FL 33004 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11K | $7K | $19K | 9.41% |
| FRANK B DOLPH III & ASSOCIATES INC3 Filed as: FRANK B DOLPH III & ASSOCIATES | 100 W CYPRESS CREEK ROAD FORT LAUDERDALE, FL 33309 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | — | $12K | 6.19% |
| SF INSURANCE SERVICES INC3 Filed as: SF INSURANCE SERVICES, INC. | 118 THATCH PALM COVE BOCA RATON, FL 33432 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $17 | $3K | 1.39% |
| CREATIVE BENEFIT CONSULTANTS INC3 | 18214 102ND WAY S BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $750 | $63 | $813 | 0.41% |
| STALTARE BENEFITS INC3 | 2791 LAWRENCE MILL RUN MARIETTA, GA 30068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $634 | — | $634 | 0.32% |
| MIS BENEFITS CONSULTANTS INC3 Filed as: MIS BENEFITS COLSULTANTS, INC. | 2663 RIO DE JANEIRO AVE COOPER CITY, FL 33026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $355 | — | $355 | 0.18% |
| ADAMS BENEFIT CORPORATION3 | 600 CORPORATE DRIVE FORT LAUDERDALE, FL 33334 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $337 | — | $337 | 0.17% |
| SERVICE PLANNING CORP3 Filed as: SERVICE PLANNING CORPORATION | 4901 NW 17TH WAY FT. LAUDERDALE, FL 33309 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $135 | — | $135 | 0.07% |
| IRENE SHULGIN3 | 10746 S SARATOGA DRIVE HOLLYWOOD, FL 33026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $128 | — | $128 | 0.06% |
| ADAMS BENEFIT CORPORATION3 | 600 CORPORATE DRIVE FORT LAUDERDALE, FL 33334 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | — | $64 | 4.50% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES, INC. | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | — | $46 | 3.23% |
| ABRAHAM SCHILLER3 | 8740 AZALEA COURT TAMARAC, FL 33321 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.49% |
| LESLIE BRERETON3 | 2125 NE 63RD COURT FORT LAUDERDALE, FL 33308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.14% |
| MICHAEL MARSHALL3 | 1134 SE 6TH CT DANIA BEACH, FL 33004 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
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 | 316 | 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) | 316 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 316 | $1.5M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 316 | $1.5M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 316 | $1.5M |
| Other(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 316 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316 | — |
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 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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.