| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST. SUITE 700 MINNEAPOLIS, MN 55402 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $51K | $54K | 2.86% |
| PEARL BENEFITS GROUP INC3 Filed as: PEARL BENEFITS GROUP | 1160 KANE CONCOURSE SUTIE 605 BAY HARBOR ISLAND, FL 33154 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $31K | $32K | 1.70% |
| AMG BRICKELL INC3 Filed as: AMG BRICKELL, INC. | 1111 PARK CENTRE BLVD. STE. 401 MIAMI GARDENS, FL 33169 | UNITEDHEALTHCARE INSURANCE COMPANY | $27K | — | $27K | 1.44% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST. SUITE 700 MINNEAPOLIS, MN 55402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | — | $19K | 15.82% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST. SUITE 700 MINNEAPOLIS, MN 55402 | DELTA DENTAL INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT CT. SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST. SUITE 700 MINNEAPOLIS, MN 55402 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 7.09% |
| PEARL BENEFITS GROUP INC3 Filed as: PEARL BENEFITS GROUP, INC. | 1160 KANE CONCOURSE 305 BAY HARBOR ISLAND, FL 33154 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $310 | — | $310 | 0.91% |
| PEARL BENEFITS GROUP INC3 Filed as: PEARL BENEFITS GROUP INC. | 1160 KANE CONCOURSE BAY HARBOR ISLANDS, FL 33154 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $70 | $1K | 5.13% |
| DANSANA CORP3 Filed as: DANSANA CORP. | 3117 GOLD BANKS RD. WAKE FOREST, NC 27587 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $805 | — | $805 | 2.75% |
| MORFAR STRATEGIES INC3 Filed as: MORFAR STRATEGIES INC. | 6990 GRIFFIN RD. DAVIE, FL 33314 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $287 | $60 | $347 | 1.19% |
| KYLE RUSSEY3 | 6921 E. WEDGEWOOD AVE. DAVIE, FL 33331 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $93 | $30 | $123 | 0.42% |
| MORGAN PERRI3 | 40 LEXINGTON CIR. MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $102 | $11 | $113 | 0.39% |
| BRYLIN EMPLOYEE BENEFITS LLC3 | 37 PONDVIEW DR. ALLENTOWN, NJ 08501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | — | $82 | 0.28% |
| LISA M RUSSEY3 Filed as: LISA RUSSEY | 6990 GRIFFIN RD. DAVIE, FL 33314 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | $22 | $78 | 0.27% |
| VLADIMIR BARRIOS3 | 15298 SW 104 ST. MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | — | $77 | 0.26% |
| CATHERINE ANN ARAUJO3 Filed as: CATHERINE ARAUJO | 2570 NW 94TH WAY SUNRISE, FL 33322 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | $3 | $71 | 0.24% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DR. NASHVILLE, TN 37204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.11% |
| SHALIMAR RODRIGUEZ3 | 100 S. PINE ISLAND RD. PLANTATION, FL 33324 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.08% |
| LISA A PERRI3 Filed as: LISA PERRI | 775 ROUTE 70 E. MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $6 | $16 | 0.05% |
| DORIS M KERCHNER3 Filed as: DORIS KERCHNER | 1875 KERRY CREEK DR. MARIETTA, GA 30066 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.05% |
| ESQUEN INSURANCE GROUP CORP3 Filed as: ESQUEN INSURANCE GROUP CORP. | 14552 SW 152ND PL. MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $3 | $15 | 0.05% |
| ERICA TEREK3 | PO BOX 156 GILBERTSVILLE, KY 42044 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.04% |
| AC INSURANCE SERVICES LLC3 | 2077 NW 111 TER. CORAL SPRINGS, FL 33071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $6 | $11 | 0.04% |
| PEACOCK FINANCIALS INC3 Filed as: PEACOCK FINANCIALS INC. | 6990 GRIFFIN RD. DAVIE, FL 33314 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.03% |
| PAUL ANDERSON3 | 12111 NW 32 MANOR SUNRISE, FL 33323 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $5 | $10 | 0.03% |
| ANDRE CRENSHAW3 | 19605 TALLISMAN ST. TORRANCE, CA 90503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.03% |
| ANTHONY ACCILIEN3 | 6157 UNITED ST. WEST PALM BEACH, FL 33411 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| ACHIOTE ENTERPRISES INC3 Filed as: ACHIOTE ENTERPRISES INC. | 37 HENDRICKS ISLE FT. LAUDERDALE, FL 33301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.01% |
| ALEXANDER CORDOVA3 | 2077 NW 111 TER. CORAL SPRINGS, FL 33071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.01% |
| PEARL BENEFITS GROUP INC3 | 1160 KANE CONCOURSE SUITE 305 BAY HARBOR ISLANDS, FL 33154 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $843 | — | $843 | 7.38% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST. SUITE 700 MINNEAPOLIS, MN 55402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $300 | — | $300 | 2.62% |
| PEARL BENEFITS GROUP INC3 | 1160 KANE CONCOURSE SUITE 305 BAY HARBOR ISLANDS, FL 33154 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.68% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST. SUITE 700 MINNEAPOLIS, MN 55402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $147 | — | $147 | 2.15% |
| 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 | $475 | — | $475 | 11.18% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST. SUITE 700 MINNEAPOLIS, MN 55402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $163 | — | $163 | 3.84% |
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 | 356 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 358 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 466 | $1.9M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 466 | $2.0M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 466 | $1.9M |
| Life insurance(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 356 | $167K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 356 | $123K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 356 | $129K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 466 | $1.9M |
| Other(5 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 356 | $201K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 466 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.