| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PEARL BENEFITS GROUP INC3 | 1160 KANE CONCOURSE # 304 BAY HARBOR ISLANDS, FL 33154 | NEIGHBORHOOD HEALTH PARTNERSHIP | — | $39K | $39K | 3.85% |
| AMG BRICKELL INC3 | 12864 BISCAYNE BLVD # 194 MIAMI, FL 33181 | NEIGHBORHOOD HEALTH PARTNERSHIP | $14K | $3K | $17K | 1.69% |
| PEARL BENEFITS GROUP INC3 Filed as: PEARL BENEFITS GROUP | 1160 KANE CONCOURSE SUTIE 605 BAY HARBOR ISLAND, FL 33154 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $46K | $54K | 5.46% |
| AMG BRICKELL INC3 Filed as: AMG BRICKELL, INC. | 12864 BISCAYNE BLVD 194 NORTH MIAMI, FL 33181 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | — | $15K | 1.55% |
| ALLIED ADMINISTRATORS3 | 825 BATTERY ST. SAN FRANCISCO, CA 94111 | DELTA DENTAL INSURANCE COMPANY | $10K | — | $10K | 10.00% |
| PEARL BENEFITS GROUP INC3 Filed as: PEARL BENEFITS GROUP INC. | 1160 KANE CONCOURSE BAY HARBOR ISLANDS, FL 33154 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 9.54% |
| MORFAR STRATEGIES INC3 Filed as: MORFAR STRATEGIES INC. | 6990 GRIFFIN RD. DAVIE, FL 33314 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $693 | $346 | $1K | 2.70% |
| DANSANA CORP3 Filed as: DANSANA CORP. | PO BOX 17138 PLANTATION, FL 33318 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 2.62% |
| VLADIMIR BARRIOS3 | 15298 SW 104 ST. MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $423 | $44 | $467 | 1.21% |
| MORGAN PERRI3 | 40 LEXINGTON CIR. MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $318 | $101 | $419 | 1.09% |
| KYLE RUSSEY3 | 6921 E. WEDGEWOOD AVE. DAVIE, FL 33331 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $162 | $144 | $306 | 0.79% |
| DORIS M KERCHNER3 Filed as: DORIS KERCHNER | 1875 KERRY CREEK DR. MARIETTA, GA 30066 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $106 | $7 | $113 | 0.29% |
| BRYLIN EMPLOYEE BENEFITS LLC3 | 37 PONDVIEW DR. ALLENTOWN, NJ 08501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $97 | — | $97 | 0.25% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DR. NASHVILLE, TN 37204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $94 | — | $94 | 0.24% |
| ESQUEN INSURANCE GROUP CORP3 Filed as: ESQUEN INSURANCE GROUP CORP. | 14552 SW 152ND PL. MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | $26 | $89 | 0.23% |
| LISA M RUSSEY3 Filed as: LISA RUSSEY | 6990 GRIFFIN RD. DAVIE, FL 33314 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | $6 | $78 | 0.20% |
| LISA A PERRI3 Filed as: LISA PERRI | 775 ROUTE 70 E. MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | $19 | $63 | 0.16% |
| PEACOCK FINANCIALS INC3 Filed as: PEACOCK FINANCIALS INC. | 6990 GRIFFIN RD. DAVIE, FL 33314 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $16 | $38 | 0.10% |
| ERICA TEREK3 | PO BOX 2008 JOLIET, IL 60434 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.07% |
| ANDRE CRENSHAW3 | 19605 TALLISMAN ST. TORRANCE, CA 90503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.06% |
| CARMEN G NAVARRETE3 Filed as: CARMEN NAVARRETE | PO BOX 564362 CHICAGO, IL 60656 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.04% |
| KLINGBEIL AND ASSOCIATES INC3 Filed as: KLINGBEIL AND ASSOC. INC. | 6000 LAKE FORREST DR. ATLANTA, GA 30328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $4 | $9 | 0.02% |
| THE HORTON GROUP3 Filed as: ANITA HORTON | 591 FAIRWAY DR. WOODSTOCK, GA 30189 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| CAROL PURDY FIELDS3 | 204 POTOMAC CT. WOODSTOCK, GA 30188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| AGSANT GROUP INC3 Filed as: AGSANT GROUP INC. | 5500 W. 35TH ST. CICERO, IL 60804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.01% |
| RJK & ASSOCIATES INC3 Filed as: RJK ASSOCIATES INC. | 777 DREWRY ST. NE ATLANTA, GA 30306 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.01% |
| NO DGA TELEPHONIC ENROLLMENT3 | HOME OFFICE COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| PEARL BENEFITS GROUP INC3 | 1160 KANE CONCOURSE SUITE 305 BAY HARBOR ISLANDS, FL 33154 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| PEARL BENEFITS GROUP INC3 Filed as: PEARL BENEFITS GROUP, INC. | 1160 KANE CONCOURSE 305 BAY HARBOR ISLAND, FL 33154 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | — | $3K | 7.99% |
| MEDLINKPFM3 | 6151 LAKE OSPREY DR. 3RD FL. SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 6.98% |
| PEARL BENEFITS GROUP INC3 | 1160 KANE CONCOURSE SUITE 305 BAY HARBOR ISLANDS, FL 33154 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 20.00% |
| PEARL BENEFITS GROUP INC3 Filed as: PEARL BENEFITS GROUP, INC. | 1160 KANE CONCOURSE 305 BAY HARBOR ISLANDS, FL 33154 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| PEARL BENEFITS GROUP INC3 | 1160 KANE CONCOURSE SUITE 305 BAY HARBOR ISLANDS, FL 33154 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
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 | 341 | 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) | 345 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | NEIGHBORHOOD HEALTH PARTNERSHIP | 302 | $2.1M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 243 | $1.1M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 231 | $991K |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 341 | $86K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 32 | $11K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 30 | $19K |
| Prescription drug(2 contracts, 2 carriers) | NEIGHBORHOOD HEALTH PARTNERSHIP | 302 | $2.0M |
| Other(4 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 341 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 341 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.