| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC BENEFITS3 Filed as: STRATEGIC BENEFITS LLC | 15757 PINES BLVD STE 139 PEMBROKE PINES, FL 330271207 | UNITED HEALTH CARE INSURANCE COMPANY | $46K | — | $46K | 3.52% |
| STRATETIC BENEFITS LLC3 | 15757 PINES BLVD STE 139 SUITE 771 PEMBROKE PINES, FL 33027 | AVMED HEALTH INSURANCE | $41K | $20K | $61K | 6.01% |
| STRATEGIC BENEFITS3 Filed as: STRATEGIC BENEFITS LLC | 15757 PINES BLVD STE 139 PEMBROKE PINES, FL 33027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21K | — | $21K | 8.87% |
| JANET IBANEZ3 | 17501 SW 92 CT PALMETTO BAY, FL 33157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11K | $3K | $13K | 5.58% |
| WENDOLYN ISOLA | 9271 CARIBBEAN BLVD CUTLER BAY, FL 33157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $1K | $9K | 3.87% |
| CHERYL ANN HERNANDEZ3 | 833 SW CURRY ST PORT ST LUCIE, FL 34983 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $2K | $7K | 2.90% |
| EPIC3 Filed as: EPIC SOLUTIONS ENTERPRISE | 132 SW 145 CT MIAMI, FL 33174 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $507 | $2K | 1.02% |
| MIGDALIA BURGOS3 | 16774 NW 90 AVE MIAMI LAKES, FL 33018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.89% |
| MARIA E GADEA3 Filed as: MARIA ELIZABETH GADIA | 4385 NW 116 AVE BORAL, FL 33178 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $354 | $2K | 0.64% |
| NATASHA DELGADO3 | 6800 SW 40 ST MIRAMAR, FL 33155 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.42% |
| GREGORIO R UGAZ3 | 12300 SW 36 ST MIAMI, FL 33175 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $836 | $97 | $933 | 0.39% |
| MAGDA L OROZCO3 | 15807 SW 72 TER MIAMI, FL 33193 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $681 | — | $681 | 0.28% |
| STRATEGIC BENEFITS3 Filed as: STRATEGIC BENEFITS LLC | 15757 PINES BLVD STE 139 PEMBROKE PINES, FL 33027 | SOLSTICE BENEFITS INC | $25K | — | $25K | 11.72% |
| STRATEGIC BENEFITS3 Filed as: STRATEGIC BENEFITS LLC | 15757 PINES BLVD STE 139 PEMBROKE PINES, FL 33027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 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 | 350 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 350 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTH CARE INSURANCE COMPANY | 351 | $2.3M |
| Dental | SOLSTICE BENEFITS INC | 425 | $211K |
| Vision | SOLSTICE BENEFITS INC | 425 | $211K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 201 | $289K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 425 | — |
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.