| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FLORIDA SHORES INSURANCE LLC3 | 908 NE 6TH ST POMPANO BEACH, FL 33060 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $45K | $45K | 3.95% |
| MARIE FRANCES AIELLO3 Filed as: MARIE FRANCES AIELLO - FL SHORES | 908 NE 6TH STREET POMPANO BEACH, FL 33060 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 3.40% |
| IRENE SHULGIN3 | 5720 SW 164 TERRACE SOUTH WEST RANCHES, FL 33026 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $551 | $53 | $604 | 1.33% |
| MIS BENEFITS CONSULTANTS INC3 | 2663 RIO DE JANEIRO AVE COOPER CITY, FL 33026 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $452 | $77 | $529 | 1.16% |
| SHARON R NOWELL3 | 4111 NW 9TH ST COCONUT CREEK, FL 33066 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $368 | — | $368 | 0.81% |
| CHRISTINA BIEBER3 | 12827 WOODMILL DRIVE PALM BEACH GARDENS, FL 33418 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $230 | $7 | $237 | 0.52% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS OF FLORIDA | DBA GATEWAY-ACENTRIA INSURANCE FT LAUDERDALE, FL 33310 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $130 | — | $130 | 0.29% |
| SIMONE E STEWART3 | 9650 ROYAL PALM BLVD CORAL SPRINGS, FL 33065 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $105 | $8 | $113 | 0.25% |
| KATHERINE PALAGI3 | 437 N. SPALDING LEBANON, KY 40033 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $109 | — | $109 | 0.24% |
| MICHELLE LAMPERT3 Filed as: MICHELLE MEYER EDWARDS | 3341 NORTH EAST 14 TERRACE POMPANO BEACH, FL 33064 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $98 | — | $98 | 0.22% |
| CHERYL ANN HERNANDEZ3 | 833 SW CURRY STREET PORT ST. LUCIE, FL 34983 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $57 | $32 | $89 | 0.20% |
| ANNE OWENS3 | 1516 DEER LAKE DRIVE LEXINGTON, KY 40515 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $75 | — | $75 | 0.16% |
| AVERY INSURANCE INC3 | ATTN PEMELA AVERY POMPANO BEACH, FL 33069 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 0.10% |
| TILTON ASSOCIATES INC3 | 4141 NW 10 ST COCONUT CREEK, FL 33066 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.07% |
| BENEFIT SOLUTIONS INC3 Filed as: BENEFIT SOLUTIONS GROUP INC | 4021 ST GERMAINE CT LOUISVILLE, KY 40207 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.07% |
| KENNETH DAVID WILDER3 | 10824 SW 2ND ST MIAMI, FL 33173 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.05% |
| JEFFREY ALAN BOSTON3 | 9700 STRUEH HENDRICKS RD EVANSVILLE, FL 47712 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17 | $2 | $19 | 0.04% |
| MICHAEL MARSHALL3 | 1134 SE 6TH CT DANIA BEACH, FL 33004 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| STEVEN VERMETTE INC3 | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| JOSEPH GLENN EVANS3 | 4312 DIAMOND TERRACE WESTON, FL 33331 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| FLORIDA SHORES INSURANCE LLC3 Filed as: FLORIDA SHORES INSURANCE | 908 NE 6TH ST POMPAMO BEACH, FL 33060 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| FLORIDA SHORES INSURANCE LLC3 Filed as: FLORIDA SHORES INS LLC | 908 NE 6TH ST POMPANO BEACH, FL 33060 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| FLORIDA SHORES INSURANCE LLC3 | 908 NE 6TH ST POMPANO BEACH, FL 33060 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| FLORIDA SHORES INSURANCE LLC3 | 908 NE 6 STREET POMPANO BEACH, FL 33060 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
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 | 95 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 98 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 176 | $1.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 176 | $1.1M |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 176 | $1.2M |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 95 | $78K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 47 | $14K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 42 | $32K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 176 | $1.1M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 95 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.