| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FAISON GROUP BENEFITS INC3 | 6500 NW 12TH AVE STE 119 FT LAUDERDALE, FL 333091146 | BLUE CROSS BLUE SHIELD OF FLORIDA | $20K | — | $20K | 5.49% |
| JOSEPH A STALTARE3 | 11085 SACCO DR BOCA RATON, FL 33428 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $9K | $15K | 20.85% |
| FAISON GROUP BENEFITS INC3 | PO BOX 6009 ASHLAND, VA 23005 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $268 | $10K | 13.82% |
| EPIC3 Filed as: EPIC SOLUTIONS ENTERPRISE | 132 SW 113TH AVE MIAMI, FL 33174 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $1K | $5K | 7.00% |
| CREATIVE BENEFIT CONSULTANTS INC3 | 18214 102ND WAY S STE 100 BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 5.10% |
| LYNN MARIE BARRY3 | 301 W PARK AVE LANGHORNE, PA 19047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 4.74% |
| WORLD PRIME SOLUTIONS3 | 7000 NOVA DR APT 203 DAVIE, FL 33317 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $542 | $3K | 3.67% |
| YENISEL MONTANE3 | 15810 SW 109TH AVE MIAMI, FL 33157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.70% |
| GEOVANNY ENCARNACION3 | 11754 NW 1ST ST CORAL SPRINGS, FL 33071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $923 | — | $923 | 1.27% |
| JENNIFER ROMO3 Filed as: JENNIFER ROMO-VALDES | 841 E 18TH ST HIALEAH, FL 33013 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $205 | $332 | $537 | 0.74% |
| JANET IBANEZ3 | 17501 SW 92ND CT PALMETTO BAY, IL 33157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $265 | $211 | $476 | 0.65% |
| SINGLE POINT ENROLLMENT SOLUTIONS3 Filed as: SINGLE POINT ENROLLMENT SOLUTIONS I | 14716 SW 112TH TER MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $122 | $167 | $289 | 0.40% |
| BRITO BENEFITS SOLUTIONS INC3 | 14716 SW 112TH TER MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $122 | $44 | $166 | 0.23% |
| ROGER HUGH JONES3 | 10524 IBIS RESERVE CIR WEST PALM BEACH, FL 33412 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | $90 | $149 | 0.20% |
| ALIDA MARIA DEL CID3 | 5844 NW 71ST TER PARKLAND, FL 33067 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $124 | — | $124 | 0.17% |
| YESENIA HENOHE OSORIO3 | 13611 ISHNALA CIR WELLINGTON, FL 33414 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $7 | $27 | 0.04% |
| BERNARD PHILLIP3 | 325 NW SPANISH RIVER BLVD APT BOCA RATON, FL 33431 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $1 | $8 | 0.01% |
| CHRISTINA BIEBER3 | 12827 WOODMILL DR PALM BEACH GARDENS, FL 33418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| FAISON GROUP BENEFITS INC3 | PO BOX 6009 ASHLAND, VA 23005 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 9.98% |
| FAISON GROUP BENEFITS INC3 Filed as: FAISON GROUP BENEFITS | PO BOX 6009 ASHLAND, VA 23005 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 9.17% |
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 | 139 | 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) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 34 | $372K |
| Dental | STANDARD INSURANCE COMPANY | 139 | $57K |
| Vision | STANDARD INSURANCE COMPANY | 102 | $14K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 141 | $73K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 34 | $372K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 141 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.