| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGE BENEFITS CONSULTING, INC.3 | 1285 NW 140TH TERRACE PEMBROKE PINES, FL 33028 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | -$345 | $1K | 0.06% |
| EDGE BENEFITS CONSULTING, INC.3 | 1285 NW 140 TERRACE PEMBROKE PINES, FL 33028 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.46% |
| EDGE BENEFITS CONSULTING, INC.3 | 1840 NW 42ND STREET OAKLAND, FL 33309 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 2.48% |
| EDGE BENEFITS CONSULTING, INC.3 | 1840 NW 42 ST OAKLAND PARK, FL 33309 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 8.27% |
| COACH CONCEPTS INC3 Filed as: COACH CONCEPTS, INC. | 5655 OAKHURST DRIVE SEMINOLE, FL 33772 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $753 | $3K | 4.89% |
| HOWARD HOROWITZ3 Filed as: HOWARD J. HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $846 | $313 | $1K | 1.93% |
| NYRA VELASCO3 | 1904 CAPRI ROAD VALRICO, FL 33594 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $722 | $219 | $941 | 1.56% |
| PAMELA EISELE FAZIO3 | 3344 MARWORTH CT MACUNGIE, PA 18062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $651 | — | $651 | 1.08% |
| BRANDON MARCELLO CENTO3 | 17362 DOVEHOUSE LANE WESTFIELD, IN 46074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $129 | $191 | $320 | 0.53% |
| TIMOTHY B DONNELLY3 | 5960 92ND AVE N PINELLAS PARK, FL 33782 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $298 | $18 | $316 | 0.52% |
| STEPHANIE SHEPPA3 | 3687 IMPERIAL RIDGE PKWY PALM HARBOR, FL 34684 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $187 | — | $187 | 0.31% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES, INC. | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $114 | — | $114 | 0.19% |
| CYNTHIA LERNER RUBIN3 | 445 DOCKSIDE DRIVE NAPLES, FL 34110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $93 | — | $93 | 0.15% |
| B & B INSURANCE SOLUTIONS INC3 Filed as: B&B INSURANCE SOLUTIONS, INC. | 14716 SW 112 TERRACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | $26 | $65 | 0.11% |
| TILTON ASSOCIATES INC3 Filed as: TILTON ASSOCIATES INC. | 4141 NW 10 STREET COCONUT CREEK, FL 33066 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | — | $64 | 0.11% |
| PHYLLIS P VOSS3 | 449 DOUGLAS EDWARD DRIVE OCOEE, FL 34761 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | — | $58 | 0.10% |
| IVON TATIANA ANGEL3 | 9402 COMEAU STREET GOTHA, FL 34734 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | — | $57 | 0.09% |
| BRITO BENEFITS SOLUTIONS INC3 Filed as: BRITO BENEFITS SOLUTIONS, INC. | 14716 SOUTHWEST 112 TER MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | $18 | $57 | 0.09% |
| SCHMIDT BENEFIT GROUP INC3 Filed as: SCHMIDT BENEFIT GROUP, INC. | 512 LYONS BAY ROAD NOKOMIS, FL 34275 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | — | $50 | 0.08% |
| MARIA D KADALA3 | 1830 N UNIVERSITY DRIVE PLANTATION, FL 33322 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | — | $42 | 0.07% |
| EM PROPERTY & CASUALTY LLC3 Filed as: EM PROPERTY & CASUALTY, LLC | 13500 SW 88TH STREET, SUITE 211 MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | $3 | $31 | 0.05% |
| GUY SANMIGUEL3 | 18063 SW 13TH STREET PEMBROKE PINES, FL 33029 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.04% |
| THEODORE JAMES MCGONIGAL3 | 3525 BELLAND CIRCLE CLERMONT, FL 34711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.04% |
| CREATIVE BENEFIT CONSULTANTS INC3 Filed as: CREATIVE BENEFIT CONSULTANTS, INC. | 18214 102ND WAY S BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.03% |
| ALLYN INCORPORATED3 | 14813 SEMINOLE TRAIL SEMINOLE, FL 33776 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.03% |
| JEFFREY F BARNETT3 | 8840 DARLENE DRIVE ORLANDO, FL 32836 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $11 | $16 | 0.03% |
| ROSA SHALA3 | 56 ANASTASIA LAKES DRIVE ST AUGISTINE, FL 32080 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| KAREN PICCININI3 | 425 W COLONIAL DRIVE ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $2 | $7 | 0.01% |
| CTL SERVICES INC3 Filed as: CTL SERVICES, INC. | 1140 CLIMBING ROSE DRIVE ORLANDO, FL 32818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $1 | $7 | 0.01% |
| STALTARE BENEFITS INC3 Filed as: STALTARE BENEFITS, INC. | 2791 LAWRENCE MILL RUN MARIETTA, GA 30068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| CANDICE KLEE3 | 16569 77TH LANE NORTH LOXAHATCHEE, FL 33470 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| RODNEY J VALDIVIA3 | 801 SW 189TH STREET PEMBROKE PINES, FL 33029 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| DONALD R JAWORSKI3 | 9691 SW 76 LANE ROAD OCALA, FL 34481 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| BONNIE J WENDELL3 | 861 PHOENIX LANE OVIEDO, FL 32765 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| MORFAR STRATEGIES INC3 Filed as: MORFAR STRATEGIES, INC. | 6990 GRIFFIN ROAD DAVIE, FL 33314 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| JOSEPH GLENN EVANS3 | 4312 DIAMOND TERRACE WESTON, FL 33331 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| WILLIAM RENNARD3 | 3001 ALOMA AVE. WINTER PARK, FL 32792 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| EDGE BENEFITS CONSULTING, INC.3 Filed as: EDGE BENEFITS CONSULTING, LLC | 1285 NW 140TH TER PEMBROKE, FL 33028 | SAFEGUARD HEALTH PLANS, INC. | $513 | — | $513 | 2.64% |
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 | 416 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 420 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 251 | $2.6M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 317 | $89K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 251 | $2.6M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 416 | $124K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 416 | $124K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 416 | $184K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 416 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.