| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALKHATAB NABIL3 | 433 PLAZA REAL, #275 BOCA RATON, FL 33432 | HUMANA | $19K | $0 | $19K | 9.89% |
| IRENE SHULGIN3 | 10746 S. SARATOGA DR. HOLLYWOOD, FL 33026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $385 | $5K | 4.85% |
| MIS BENEFITS CONSULTANTS INC3 Filed as: MIS BENEFIT CONSULTANTS, INC. | 2663 RIO DEJANEIRO AVE. COOPER CITY, FL 33026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $159 | $4K | 4.54% |
| MICHAEL MARSHALL3 | 1134 SE 6TH CT. DANIA BEACH, FL 33004 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $899 | $82 | $981 | 1.02% |
| DANITZA PENALOZA3 | 541 CARRINGTON LA. WESTON, FL 33326 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $670 | $0 | $670 | 0.70% |
| EMPLOYEE ENROLLMENT ENTERPRISES INC3 Filed as: EMPLOYEE ENROLLMENT ENTERPRISES, IN | 16002 SW 73 ST. MIAMI, FL 33193 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $281 | $29 | $310 | 0.32% |
| K & G INSURANCE HOUSE MIZNER PARK3 Filed as: K & G INSURANCE HOUSE, INC. | 433 PLAZA REAL BOCA RATON, FL 33432 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $308 | $0 | $308 | 0.32% |
| LESLIE BRERETON3 | 2125 NE 63RD CT. FT. LAUDERDALE, FL 33308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $243 | $0 | $243 | 0.25% |
| ELENAM ESPINOSA-WEEKS3 | 802 CYPRESS GROVE LA. POMPANO BEACH, FL 33069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $94 | $0 | $94 | 0.10% |
| LOURDES PRICE3 | 16002 SW 73RD ST. MIAMI, FL 33193 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | $33 | $92 | 0.10% |
| ADVANCED AGENTS INC3 Filed as: ADVANCED AGENTS, INC. | 1488 CORONADO RD. WESTON, FL 33327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $86 | $0 | $86 | 0.09% |
| ESQUEN INSURANCE GROUP CORP3 Filed as: ESQUEN INSURANCE GROUP CORP. | 14552 SW 152 PL. MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | $24 | $76 | 0.08% |
| THOMAS C CUNDY REVOCABLE TRUST3 Filed as: THOMAS C. CUNDY REVOCABLE TRUST | 8925 COLLINS AV. SURFSIDE, FL 33154 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 0.01% |
| ESTELLE WEINGARDEN3 | 6899 NE 8TH DR. BOCA RATON, FL 33487 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.01% |
| THOMAS C CUNDY3 Filed as: THOMAS CUNDY | P.O. BOX 24080 FT. LAUDERDALE, FL 33307 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.00% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES, INC. | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.00% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | P.O. BOX 20334 DALLAS, TX 75320 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| STEVEN VERMETTE INC3 Filed as: STEVEN VERMETTE, INC. | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| GINA MARIE MARTINEZ3 | 2401 NE 65TH ST. FT. LAUDERDALE, FL 33308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| CREATIVE BENEFIT CONSULTANTS INC3 Filed as: CREATIVE BENEFIT CONSULTANTS, INC. | 18214 102 WAY S. BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| MORFAR STRATEGIES INC3 Filed as: MORFAR STRATEGIES, INC. | 6990 GRIFFIN RD. DAVIE, FL 33314 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEM, INC. | 1301 GERVAIS ST. COLUMBIA, SC 29201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| K & G INSURANCE HOUSE MIZNER PARK3 | 433 PLAZA REAL, #275 BOCA RATON, FL 33432 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 10.00% |
| K & G INSURANCE HOUSE MIZNER PARK3 | 433 PLAZA REAL, #275 BOCA RATON, FL 33432 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 10.00% |
| K & G INSURANCE HOUSE MIZNER PARK3 | 433 PLAZA REAL, #275 BOCA RATON, FL 33432 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| K & G INSURANCE HOUSE MIZNER PARK3 | 433 PLAZA REAL, #275 BOCA RATON, FL 33432 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
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 | 254 | 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) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 103 | $96K |
| Dental | HUMANA | 457 | $191K |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 585 | $175K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 125 | $122K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 151 | $71K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 585 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 585 | — |
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.