| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FLORIDA SHORES INSURANCE LLC3 | 908 NE 6TH ST POMPANO BEACH, FL 33060 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $38K | $38K | 4.17% |
| FLORIDA SHORES INSURANCE LLC3 | 908 NE 6TH ST POMPANO BEACH, FL 33060 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 16.13% |
| MARIE FRANCES AIELLO3 | 908 NE 6 STREET POMPANO BEACH, FL 33060 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 8.46% |
| NPC FINANCIAL INC.3 Filed as: NPC FINANCIAL INC | 2 S BISCAYNE BLVD SUITE 1740 MIAMI, FL 33131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $57 | — | $57 | 0.12% |
| MICHELLE LAMPERT3 Filed as: MICHELLE MEYER EDWARDS | 3341 NORTH EAST 14 TERRACE POMPANO BEACH, FL 33064 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 14.45% |
| MARIE FRANCES AIELLO3 | 908 NE 6TH STREET POMPANO BEACH, FL 33060 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 11.80% |
| IRENE SHULGIN3 | 5720 SW 164 TERRACE SOUTH WEST RANCHES, FL 33026 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 10.41% |
| MIS BENEFITS CONSULTANTS INC3 | 2663 RIO DE JANEIRO AVE COOPER CITY, FL 33026 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $869 | $2K | 8.08% |
| ANNE OWENS3 | 1516 DEER LAKE DRIVE LEXINGTON, KY 40515 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $748 | $64 | $812 | 3.16% |
| NORMA J DAVIS3 | 269 RUFFIAN TRAIL CORBIN, KY 40701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $432 | $11 | $443 | 1.73% |
| SHARON R NOWELL3 | 4111 NW 9TH ST COCONUT CREEK, FL 33066 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $366 | — | $366 | 1.43% |
| BENEFIT SOLUTIONS INC3 Filed as: BENEFIT SOLUTIONS GROUP INC | 4021 ST GERMAINE CT LOUISVILLE, KY 40207 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $206 | $25 | $231 | 0.90% |
| GATEWAY-ACENTRIA INSURANCE LIE3 | PO BOX 5648 FT LAUDERDALE, FL 33310 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $130 | — | $130 | 0.51% |
| CHRISTINA BIEBER3 | 12827 WOODMILL DRIVE PALM BEACH GARDENS, FL 33418 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $78 | $12 | $90 | 0.35% |
| AVERY INSURANCE INC3 | ATTN PEMELA AVERY POMPANO BEACH, FL 33069 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $45 | — | $45 | 0.18% |
| TILTON ASSOCIATES INC3 | 4141 NW 10 ST COCONUT CREEK, FL 33066 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.11% |
| KENNETH DAVID WILDER3 | 10824 SW 2ND ST MIAMI, FL 33173 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.09% |
| MICHAEL MARSHALL3 | 1134 SE 6TH CT DANIA BEACH, FL 33004 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| STEVEN VERMETTE INC3 | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| JOSEPH GLENN EVANS3 | 4312 DIAMOND TERRACE WESTON, FL 33331 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
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 | 116 | 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) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 194 | $915K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 114 | $46K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 114 | $46K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 116 | $79K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 116 | $53K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 116 | $53K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 194 | $915K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 116 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.