| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FLORIDA SHORES INSURANCE LLC3 | 908 NE 6TH ST POMPANO BEACH, FL 33060 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $41K | $41K | 3.96% |
| FLORIDA SHORES INSURANCE LLC3 | 908 NE 6TH ST POMPANO BEACH, FL 33060 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $739 | — | $739 | 2.20% |
| SHARON R NOWELL3 | 4111 NW 9TH ST COCONUT CREEK, FL 33066 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $334 | — | $334 | 0.99% |
| IRENE SHULGIN3 | 10400 BUENOS AIRES ST COOPER CITY, FL 33026 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $264 | $0 | $264 | 0.79% |
| MIS BENEFITS CONSULTANTS INC3 | 1800 PURDY AVE APT 1415 MIAMI BEACH, FL 33139 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $178 | $0 | $178 | 0.53% |
| CHRISTINA BIEBER3 | 12827 WOODMILL DRIVE PALM BEACH GARDENS, FL 33418 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $138 | — | $138 | 0.41% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS OF FLORIDA | DBA GATEWAY-ACENTRIA INSURANCE FT LAUDERDALE, FL 33311 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $100 | — | $100 | 0.30% |
| ANNE OWENS3 | 127 ABERDINE WAY GEORGETOWN, KY 40324 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $45 | — | $45 | 0.13% |
| AVERY INSURANCE INC3 | 460 SE 3RD TERRACE POMPANO BEACH, FL 33060 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 0.12% |
| BENEFIT SOLUTIONS INC3 Filed as: BENEFIT SOLUTIONS GROUP INC | 4021 ST GERMAINE CT LOUISVILLE, KY 40207 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.08% |
| TILTON ASSOCIATES INC3 | 9840 W NOTCH PATH CRYSTAL CREEK, FL 33066 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.08% |
| KENNETH DAVID WILDER3 | 10824 SW 72ND ST MIAMI, FL 33173 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.06% |
| CHERYL ANN HERNANDEZ3 | 833 SW CURRY STREET PORT ST. LUCIE, FL 34983 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.02% |
| MIICHAEL MARSHALL3 | 1134 SE 6TH CT DANIA BEACH, FL 33004 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| JOSEPH GLENN EVANS3 | 4312 DIAMOND TERRACE WESTON, FL 33331 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| STEVEN VERMETTE INC3 Filed as: STEVEN VERMETTE | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| FLORIDA SHORES INSURANCE LLC3 Filed as: FLORIDA SHORES INSURANCE | 908 NE 6TH ST POMPAMO BEACH, FL 33060 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 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 | 98 | 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) | 98 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 164 | $1.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 164 | $1.0M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 164 | $1.0M |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 98 | $65K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 48 | $14K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 35 | $26K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 164 | $1.0M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 98 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.