| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $15K | — | $15K | 8.89% |
| MICHAEL MARSHALL3 | 1134 SE 6TH COURT DANIA BEACH, FL 33004 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $5K | $13K | 7.71% |
| SF BENEFITS INC3 | 118 THATCH PALM CV BOCA RATON, FL 33432 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $119 | $2K | 0.98% |
| CREATIVE BENEFIT CONSULTANTS INC3 | 18214 102ND WAY S BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $949 | $338 | $1K | 0.77% |
| STALTARE BENEFITS INC3 | 2791 LAWRENCE MILL RUN MARIETTA, GA 30068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $440 | — | $440 | 0.26% |
| SF INSURANCE SERVICES INC3 Filed as: SF INSURANCE SERVICES, INC. | 118 THATCH PALM COVE BOCA RATON, FL 33432 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $194 | $48 | $242 | 0.14% |
| SUZANNE FEDERICO3 | 118 THATCH PALM CV BOCA RATON, FL 33432 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $231 | — | $231 | 0.14% |
| ADAMS BENEFIT CORPORATION3 | 600 CORPORATE DRIVE FORT LAUDERDALE, FL 33334 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $222 | — | $222 | 0.13% |
| MIS BENEFITS CONSULTANTS INC3 Filed as: MIS BENEFITS COLSULTANTS, INC. | 1800 PURDY AVE APT 1415 MIAMI BEACH, FL 33139 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $187 | — | $187 | 0.11% |
| SALVATORE J FEDERICO3 | 118 THATCH PALM COVE BOCA RATON, FL 33432 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $90 | — | $90 | 0.05% |
| ACHIOTE ENTERPRISES INC3 | 9647 SUGAR PINES CT DAVIE, FL 33328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | $60 | $88 | 0.05% |
| IRENE SHULGIN3 | 10746 S SARATOGA DRIVE HOLLYWOOD, FL 33026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $76 | — | $76 | 0.05% |
| DIGITAL INSURANCE LLC3 | 4901 NW 17TH WAY FT. LAUDERDALE, FL 33309 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | — | $54 | 0.03% |
| DIGITAL INSURANCE LLC3 | 4901 NW 17TH WAY FT. LAUDERDALE, FL 33309 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.01% |
| BENEFITLAB INC3 Filed as: BENEFITLAB | 9647 SUGAR PINES CT DAVIE, FL 33328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $6 | $12 | 0.01% |
| 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 | $737 | — | $737 | 18.61% |
| ADAMS BENEFIT CORPORATION3 | 600 CORPORATE DRIVE FORT LAUDERDALE, FL 33334 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 4.03% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES, INC. | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 3.00% |
| ROBERT HYLTON3 | 6287 GARRETT ST JUPITER, FL 33458 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.47% |
| LESLIE BRERETON3 | 2125 NE 63RD COURT FORT LAUDERDALE, FL 33308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.19% |
| 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 | 193 | 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) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 193 | $4K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 193 | $4K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 193 | $4K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 193 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.