| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC. | PO BOX 5727 FT LAUDERDALE, FL 33310 | AETNA LIFE INSURANCE CO. | $29K | — | $29K | 10.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGY OF FLORIDA | 1201 W CYPRESS CREEK RD SUITE 130 FORT LAUDERDALE, FL 33309 | TRANSAMERICA LIFE INSURANCE COMPANY | $14K | — | $14K | 7.47% |
| DSM FINANCIAL LLC3 | 950 PENINSULA CORPORATE CIRCLE SUITE 3007 BOCA RATON, FL 33487 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | — | $6K | 3.30% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE ASSOCIATES | 1100 NE 163RD STREET 2ND FLOOR N MIAMI BEACH, FL 33162 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 1.54% |
| EXCELSIOR BENEFITS LLC3 | 23505 SMITHTOWN RD STE 200 EXCELSIOR, MN 55331 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 0.68% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS & ASSOC INC | 1100 NE 163RD STREET N MIAMI BEACH, FL 33162 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13K | — | $13K | 9.87% |
| B & B INSURANCE SOLUTIONS INC3 Filed as: B&B INSURANCE SOLUTIONS INC | 12002 SW 128TH CT MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $1K | $5K | 4.07% |
| ANDREA BROWNING3 | 145 19TH AVE SE ST PETERSBURG, FL 33705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $345 | $2K | 1.56% |
| BRITO BENEFITS SOLUTIONS INC3 | 14716 SOUTHWEST 112 TER MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $188 | $1K | 1.05% |
| ELIZABETH SANGUILY3 | 8421 SOUTHWEST 124TH AVE MIAMI, FL 33183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $636 | $20 | $656 | 0.49% |
| THE FAMILY INSURANCE DISCOUNT3 | 8179 NW 8 ST APT B7 MIAMI, FL 33126 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $364 | $6 | $370 | 0.28% |
| WORLD PRIME SOLUTIONS3 | 7000 NOVA DR DAVIE, FL 33317 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $298 | $26 | $324 | 0.24% |
| ESSENTIAL BENEFITS LLC3 | 8421 SW 124 AVE MIAMI, FL 33183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $280 | $2 | $282 | 0.21% |
| PAMELA EISELE FAZIO3 | 3344 MARWORTH CT MACUNGIE, PA 18062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $280 | — | $280 | 0.21% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1201 W CYPRESS CREEK RD FORT LAUDERDALE, FL 33309 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $232 | $29 | $261 | 0.20% |
| SANDRA MARIA ALVAREZ SR3 | 13910 SW 158 TERR MIAMI, FL 33177 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $193 | — | $193 | 0.15% |
| JOSE H MUNGARRIETA3 | 10920 NW 67TH ST DORAL, FL 33178 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $151 | $16 | $167 | 0.13% |
| LIZBETH RAMON3 | 15242 SW 161 ST MIAMI, FL 33187 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $145 | $2 | $147 | 0.11% |
| EM PROPERTY & CASUALTY LLC3 | 13500 SW 88TH STREET STE 287 MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $134 | — | $134 | 0.10% |
| MARIELENA HERRERA3 | 10920 NW 67TH ST DORAL, FL 33178 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $131 | $2 | $133 | 0.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ADAM IRA BROWN | 700 NE 7TH AVE #6 FORT LAUDERDALE, FL 33304 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $89 | $25 | $114 | 0.09% |
| GUY SANMIGUEL3 | 18063 SW 13ST PEMBROKE PINES, FL 33029 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $96 | — | $96 | 0.07% |
| MIGUEL ANGEL HURTADO3 | 1567 SE 20TH PL HOMESTEAD, FL 33035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $93 | — | $93 | 0.07% |
| LUC JOSEPH3 | 548 NW 51ST ST MIAMI, FL 33127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $79 | — | $79 | 0.06% |
| MARIA VERONICA JARQUE3 | 4525 GEORGIA ST SAN DIEGO, CA 92116 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $73 | — | $73 | 0.06% |
| LOURDES PRICE3 Filed as: LOURDES YOLANDA PRICE | 16002 SW 73RD STREET MIAMI, FL 33193 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $60 | — | $60 | 0.05% |
| GREGORIO R UGAZ3 | 6441 SW 116TH CT APT G MIAMI, FL 33173 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | $6 | $55 | 0.04% |
| ALBERT SIDO3 | 2201 SW 42ND TERRACE FORT LAUDERDALE, FL 33317 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | — | $51 | 0.04% |
| YASAMIN SOHEYLA FATEMIAN3 | 150 SW 124 AVENUE MIAMI, FL 33184 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | — | $45 | 0.03% |
| PEACOCK FINANCIALS INC3 | 11830 NW 32ND MNR SUNRISE, FL 33323 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $27 | $43 | 0.03% |
| ERLANDE MICHEL3 | 3629 INZERRAY BLVD LAUDERHILL, FL 33319 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.02% |
| JASON HARRY BROCKENBERRY3 | 1580 W 53 STREET HIALEAH, FL 33012 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | $1 | $25 | 0.02% |
| FRANKLIN RENE SANTANA3 | 15902 SW 95TH AVE APT 306W MIAMI, FL 33157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.02% |
| MICHAEL ALAN SCHOOLEY3 | 11107 SW 138 PL MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.02% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.02% |
| EMANUEL JULIAN ASURZA3 | 13500 SW 88TH ST MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 777 SOUTHWEST 37TH AVE MIAMI, FL 33135 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| MICHEL GUTIERREZ3 | 29244 SW 142ND PLACE HOMESTEAD, FL 33033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 141916 CORAL GABLES, FL 33114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| MICHAEL MARSHALL3 | 1134 SE 6TH CT DANIA BEACH, FL 33004 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| SHEALY BENEFITS SERVICES INC3 | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| ESQUEN INSURANCE GROUP CORP3 | 14552 SW 152ND PLACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| ADVANCED AGENTS INC3 | 1488 CORONADO RD WESTON, FL 33327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| DONNA ROSS SMITH3 | 2632 JUDES FERRY RD POWHATAN, VA 23139 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| PATRICIA ACKERMAN3 | 1863 NW 96TH AVENUE PLANTATION, FL 33322 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| GINA MARIE MARTINEZ3 | 2401 NE 65TH STREET FT LAUDERDALE, FL 33308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| MIS BENEFITS CONSULTANTS INC3 | 2663 RIO DE JANEIRO AVE COOPER CITY, FL 33026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| THE CLARK GROUP OF SC3 | 589 WINDMERE DR LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | PO BOX 5727 FORT LAUDERDALE, FL 33310 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $553 | $12K | 10.49% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | PO BOX 5727 FORT LAUDERDALE, FL 33310 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $708 | $11K | 15.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | PO BOX 5727 FORT LAUDERDALE, FL 33310 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $522 | $8K | 15.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | PO BOX 5727 FORT LAUDERDALE, FL 33310 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $408 | $7K | 15.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | PO BOX 5727 FORT LAUDERDALE, FL 33310 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $96 | $2K | 10.54% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | PO BOX 5727 FORT LAUDERDALE, FL 33310 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $80 | $2K | 10.49% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | PO BOX 5727 FORT LAUDERDALE, FL 33310 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $88 | $1K | 16.01% |
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 | 426 | 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) | 426 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 176 | $131K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 169 | $16K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 433 | $9K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 433 | $72K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 129 | $53K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO. | 327 | $289K |
| Other(4 contracts, 3 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 433 | $364K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 433 | — |
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.
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.