| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 1201 W CYPRESS CREEK RD STE 130 FT. LAUDERDALE, FL 333091906 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $106K | $108K | 7.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC-MIAMI | 9850 NW 41ST ST STE 100 DORAL, FL 33178 | UNITEDHEALTHCARE INSURANCE COMPANY | — | -$261 | -$261 | -0.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1201 W. CYPRESS CREEK RD FT. LAUDERDALE, FL 33309 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37K | $3K | $40K | 22.01% |
| MORFAR STRATEGIES INC3 | 6990 GRIFFIN ROAD DAVIE, FL 33314 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18K | $17K | $35K | 19.34% |
| PEACOCK FINANCIALS INC3 | 11830 NW 32ND MNR SUNRISE, FL 33323 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $11K | $21K | 11.51% |
| LISA M RUSSEY3 | 6990 GRIFFIN ROAD DAVIE, FL 33314 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $3K | $9K | 5.18% |
| BENJAMIN DARANG3 | 2901 NW 48 AVE APT 167 LAUDERDALE LAKES, FL 33313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $206 | $6K | 3.15% |
| WORLD PRIME SOLUTIONS3 | 7000 NOVA DR DAVIE, FL 33317 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $550 | $5K | 2.93% |
| MS HEALTH ECONOMICS CONSULTANTS LLC3 | 10459 SW 78TH ST MIAMI, FL 33173 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $136 | $4K | 2.29% |
| MARISA SELLANES3 | 10459 SW 78TH ST MIAMI, FL 33173 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $446 | $4K | 2.22% |
| GREGORIO R UGAZ3 | 6441 SW 116TH CT APT G MIAMI, FL 33173 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $506 | $3K | 1.74% |
| ACHIOTE ENTERPRISES INC3 | 618 NE 20TH ST WILTON MANORS, FL 33305 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $772 | $2K | $2K | 1.30% |
| MARIELENA HERRERA3 | 10920 NW 67TH STREET DORAL, FL 33178 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $192 | $2K | 1.20% |
| LIZBETH RAMON3 | 15242 SW 161ST MIAMI, FL 33187 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $75 | $2K | 0.91% |
| B & B INSURANCE SOLUTIONS INC3 | 14716 SW 112 TERRACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $912 | $674 | $2K | 0.88% |
| JOSE H MUNGARRIETA3 | 10920 NW 67TH ST DORAL, FL 33178 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $182 | $2K | 0.87% |
| JOSEPH A STALTARE3 | 11085 SACCO DR BOCA RATON, FL 33428 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $567 | $850 | $1K | 0.79% |
| BRITO BENEFITS SOLUTIONS INC3 | 14716 SOUTHWEST 112 TER MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $912 | $440 | $1K | 0.75% |
| JUAN DAVID FRANCO3 | 160 HIBISCUS ST TAVERNIER, FL 33070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $934 | — | $934 | 0.52% |
| ESQUEN INSURANCE GROUP CORP3 | 14552 SW 152ND PLACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $830 | $95 | $925 | 0.51% |
| CREATIVE BENEFIT CONSULTANTS INC3 | 18214 102ND WAY S BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $567 | $338 | $905 | 0.50% |
| PIERRE H ETIENNE3 | 111 BELMONT DRIVE ROYAL PALM BEACH, FL 33411 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $763 | — | $763 | 0.42% |
| SAMUEL PEREZ3 | 10765 SW 245TH ST MIAMI, FL 33032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $250 | — | $250 | 0.14% |
| FADHELY CAROLINA VILORIA3 Filed as: FADHELY VILORIA | 8100 NW 53RD ST APT 366 DORAL, FL 33166 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | $200 | $235 | 0.13% |
| MICHAEL MARSHALL3 | 1134 SE 6TH CT DANIA BEACH, FL 33004 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | $53 | $111 | 0.06% |
| BENEFITLAB INC3 | 9647 SUGAR PINES COURT DAVIE, FL 33328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | $29 | $87 | 0.05% |
| JASON HARRY BROCKENBERRY3 | 1580 W 53RD STREET HIALEAH, FL 33012 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | PO BOX 5727 FT. LAUDERDALE, FL 33310 | SOLSTICE BENEFITS, INC | $9K | — | $9K | 13.32% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 1201 W CYPRESS CREEK RD STE 130 FT. LAUDERDALE, FL 33309 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $737 | $3K | 26.35% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 1201 W CYPRESS CREEK RD STE 130 FT. LAUDERDALE, FL 33309 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $607 | $2K | 23.34% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST ST STE 100 MIAMI, FL 33178 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $101 | $101 | 1.05% |
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 | 283 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 283 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 329 | $1.5M |
| Dental | SOLSTICE BENEFITS, INC | 267 | $67K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 329 | $1.5M |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 281 | $189K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 172 | $180K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 20 | $12K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 329 | $1.5M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 281 | $189K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 329 | — |
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.