| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC BENEFITS3 Filed as: STRATEGIC BENEFITS LLC | 15757 PINES BLVD PEMBROKE PINES, FL 33027 | AETNA LIFE INSURANCE COMPANY | $119K | $15 | $119K | 3.61% |
| JANET IBANEZ3 | 17501 SW 92 CT PALMETTO BAY, FL 33157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17K | $13K | $30K | 8.17% |
| STRATEGIC BENEFITS3 Filed as: STRATEGIC BENEFITS LLC | 15757 PINES BLVD PEMBROKE PINES, FL 33027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30K | — | $30K | 8.15% |
| WENDOLYN ISOLA3 | 9271 CARIBBEAN BLVD CUTLER BAY, FL 33157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15K | $12K | $27K | 7.33% |
| CHERYL ANN HERNANDEZ3 | 833 SW CURRY ST PORT ST LUCIE, FL 34983 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $4K | $11K | 3.03% |
| EPIC3 Filed as: EPIC SOLUTIONS ENTERPRISE | 132 SW 113 AVE MIAMI, FL 33174 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 1.22% |
| MARIA E GADEA3 Filed as: MARIA ELIZABETH GADEA | 5921 SW 32 ST MIAMI, FL 33155 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $929 | $4K | 1.03% |
| SEE ATTACHMENT3 | FOR OTHER MULTIPLE, FL 33054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | 0.00% |
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 | 562 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 562 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 562 | $3.3M |
| Dental | AETNA LIFE INSURANCE COMPANY | 562 | $3.3M |
| Vision | AETNA LIFE INSURANCE COMPANY | 562 | $3.3M |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 332 | $368K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 562 | — |
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."
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.