| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REFINED BENEFITS DBA SULLIVAN3 Filed as: REFINED BENEFITS | 1105 NIKKI VIEW DRIVE BRANDON, FL 335114879 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $45K | $45K | 3.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARCH & MCLENNAN AGENCY LLC | 218 S US HIGHWAY 1 SUITE 300 TEQUESTA, FL 334692725 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $27K | $27K | 2.01% |
| TEQUESTA BENEFITS, INC.3 Filed as: TEQUESTA BENEFITS INC. | 218 S US HIGHWAY 1 SUITE 300 TEQUESTA, FL 334692725 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $13K | $13K | 0.97% |
| TILTON ASSOCIATES INC3 | 4141 NW 10 STREET COCONUT CREEK, FL 33066 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20K | $9K | $30K | 16.65% |
| CREATIVE BENEFIT CONSULTANTS INC3 | 18214 102ND WAY S BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $4K | $9K | 4.95% |
| AMY NICOLE CUNNINGHAM3 | 2450 DUNLIN DUNES PLACE TAMPA, FL 33619 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $485 | $3K | 1.56% |
| JEFFREY D MCCOY3 | 8549 BUTLER GREENWOOD DRIVE ROYAL PALM BEACH, FL 33411 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $443 | $2K | 1.14% |
| JAMES MICHAEL BROWNE3 | 4904 NW 52ND AVENUE COCONUT CREEK, FL 33073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $153 | $2K | 1.09% |
| MICHAEL PATRICK MACDONALD3 | 5760 LAKESIDE DRIVE APT 202 MARGATE, FL 33063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $503 | $2K | 1.04% |
| STEVEN OLSEN3 | 126 S ANCHORAGE DRIVE N PALM BEACH, FL 33408 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.96% |
| DIANE CUNNINGHAM3 Filed as: DIANE SUSAN CUNNINGHAM | 3513D S. FEDERAL HIGHWAY BOYNTON BEACH, FL 33435 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $880 | $344 | $1K | 0.69% |
| JOSEPH GLENN EVANS3 | 4312 DIAMOND TERRACE WESTON, FL 33331 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $683 | — | $683 | 0.38% |
| KARL GRANT3 | PO BOX 590515 FORT LAUDERDALE, FL 33359 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $492 | — | $492 | 0.28% |
| JOSEPH A STALTARE3 | 22349 SW 56 AVENUE APT 1008 BOCA RATON, FL 33428 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $201 | $67 | $268 | 0.15% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 100 N.E. THIRD AVENUE FORT LAUDERDALE, FL 33301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $216 | — | $216 | 0.12% |
| KYLE RUSSEY3 | 6921 E. WEDGEWOOD AVENUE DAVIE, FL 33331 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $127 | $49 | $176 | 0.10% |
| MICHAEL H KANE3 | 3840 MAX PLACE BOYNTON BEACH, FL 33436 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $88 | — | $88 | 0.05% |
| CANDICE KLEE3 | 2760 NE 16TH AVENUE POMPANO BEACH, FL 33064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $76 | $11 | $87 | 0.05% |
| STEVEN VERMETTE INC3 | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $85 | — | $85 | 0.05% |
| DOROTHY J LATORRE3 | 725 NW 49TH STREET COCONUT CREEK, FL 33063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $80 | — | $80 | 0.04% |
| RODNEY J VALDIVIA3 Filed as: RODNEY J VALDIVA | 801 SW 189TH AVENUE PEMBROKE PINES, FL 33029 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | — | $65 | 0.04% |
| LOGAN STILES3 | 816 EAST CYPRESS LANE POMPANO BEACH, FL 33069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | — | $55 | 0.03% |
| ESTATE OF EDWIN W SAWDY3 | 113 MALAGA STREET ROYAL PALM BEACH, FL 33411 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | — | $49 | 0.03% |
| MORFAR STRATEGIES INC3 Filed as: MORFAR STRATEGIES INC. | 6990 GRIFFIN ROAD DAVIE, FL 33314 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.01% |
| JUNIUS ROBERTS3 | 7901 HISPANOLA AVENUE NORTH BAY VILLAGE, FL 33141 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| JORDANO GROUP INC3 | 12751 ORANGE BLVD WEST PALM BEACH, FL 33412 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| REFINED BENEFITS DBA SULLIVAN3 Filed as: REFINED BENEFITS | 1105 NIKKI VIEW DRIVE BRANDON, FL 335114879 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 8.57% |
| TEQUESTA BENEFITS, INC.3 Filed as: TEQUESTA AGENCY INC | 218 S US HIGHWAY 1 STE 300 TEQUESTA, FL 334692725 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 6.43% |
| MARSH & MCLENNAN AGENCY LLC3 | 218 S US HIGHWAY 1 SUITE 300 TEQUESTA, FL 334692725 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $657 | $6K | 6.48% |
| TEQUESTA BENEFITS, INC.3 Filed as: TEQUESTA BENEFITS INC | 218 S US HWY 1 STE 300 TEQUESTA, FL 334292725 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $40 | $4K | 4.20% |
| THOMPSON AND THOMPSON FINANCIAL INC3 | 17036 OX TRAIL LANE LOXAHATEE, FL 33470 | AFLAC | $494 | — | $494 | 6.70% |
| JUAN C SOSA3 | 7875 RED RIVER ROAD WEST PALM BEACH, FL 33411 | AFLAC | $121 | — | $121 | 1.64% |
| L A D FINANCIAL CORP3 | 3800 N OCEAN DRIVE APT 1450 SINGER ISLAND, FL 33404 | AFLAC | $105 | — | $105 | 1.42% |
| STEVE D SERVI3 | 6421 CONGRESS AVENUE SUITE 100 BOCA RATON, FL 33487 | AFLAC | $65 | — | $65 | 0.88% |
| RND FINANCIAL ASSOCIATES INC3 Filed as: RND FINANCIAL ASSOCIATES | 12103 SW BAYBERRY AVENUE PORT ST. LUCIE, FL 34987 | AFLAC | $54 | — | $54 | 0.73% |
| RLT FINANCIAL ASSOC INC3 | 17036 FOX TRAIL LANE LOXAHATCHEE, FL 33470 | AFLAC | $26 | — | $26 | 0.35% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRAIL NW KENNESAW, GA 30152 | AFLAC | $15 | — | $15 | 0.20% |
| LELAND E MCCRAVY3 | 9736 SPY GLASS DRIVE VILLA RICA, GA 30180 | AFLAC | $10 | — | $10 | 0.14% |
| ADAM YOUNG3 | 10534 PALACIO RIDGE CT BOYNTON BEACH, FL 33473 | AFLAC | $7 | — | $7 | 0.09% |
| DAVID S MORRIS3 | 950 PENNISULA CORPORATE CIRCLE SUITE 1005 BOCA RATON, FL 33487 | AFLAC | $6 | — | $6 | 0.08% |
| V V BENEFIT SOLUTIONS INC3 | 15704 75TH LANE N LOXAHATCHEE, FL 33470 | AFLAC | $5 | — | $5 | 0.07% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE ROAD THOMSON, GA 30824 | AFLAC | $5 | — | $5 | 0.07% |
| ALFRED RIETKERK3 | 3120 NE 47TH STREET FORT LAUDERDALE, FL 33308 | AFLAC | $4 | — | $4 | 0.05% |
| SUWAT ASSAWAMATIYANONT3 | 1800 NE 48TH COURT FORT LAUDERDALE, FL 33308 | AFLAC | $2 | — | $2 | 0.03% |
| CHRISTINE M SINTAY3 | 1972 ALCOVA RIDGE DRIVE LAS VEGAS, NV 89135 | AFLAC | $1 | — | $1 | 0.01% |
| FRANK ROBERT SOBOCINSKI3 | 528 SWEET BAY CIRCLE JUPITER, FL 33458 | AFLAC | $1 | — | $1 | 0.01% |
| JUAN C FERLINI3 | 13826 CHRISTIAN BARRETT DRIVE MOORPARK, CA 93021 | AFLAC | $1 | — | $1 | 0.01% |
| JAMES W BENCIN3 | 11 SHELDRAKE LANE WEST PALM BEACH, FL 33418 | AFLAC | $1 | — | $1 | 0.01% |
| MARIA ORBE0 | 8362 PINES BLVD SUITE 250 PEMBROKE PINES, FL 33024 | AFLAC | $1 | — | $1 | 0.01% |
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 | 388 | 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) | 390 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 321 | $1.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 660 | $91K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 660 | $91K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 388 | $120K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 388 | $120K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 388 | $120K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 388 | $305K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 660 | — |
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.