| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REFINED BENEFITS DBA SULLIVAN3 | 1105 NIKKI VIEW DR BRANDON, FL 33511 | SUN LIFE ASSURANCE COMPANY OF CANADA | $51K | — | $51K | 10.00% |
| TILTON ASSOCIATES INC3 | 4141 NW 10 STREET COCONUT CREEK, FL 33066 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28K | $11K | $39K | 13.27% |
| CREATIVE BENEFIT CONSULTANTS INC3 | 18214 102ND WAY S BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $5K | $13K | 4.31% |
| AMY NICOLE CUNNINGHAM3 | 2450 DUNLIN DUNES PLACE TAMPA, FL 33619 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 1.20% |
| JAMES MICHAEL BROWNE3 | 4904 NW 52ND AVENUE COCONUT CREEK, FL 33073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $283 | $2K | 0.82% |
| JEFFREY D MCCOY3 | 8549 BUTLER GREENWOOD DRIVE ROYAL PALM BEACH, FL 33411 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $538 | $2K | 0.80% |
| MICHAEL PATRICK MACDONALD3 | 5760 LAKESIDE DRIVE APT 202 MARGATE, FL 33063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $120 | $2K | 0.65% |
| STEVEN OLSEN3 | 126 S ANCHORAGE DRIVE N PALM BEACH, FL 33408 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.48% |
| NICOLE ANGELLA DEMETRIUS3 | 8150 NW 47TH DR CORAL SPRINGS, FL 33067 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $908 | $397 | $1K | 0.44% |
| RODNEY J VALDIVIA3 Filed as: RODNEY J VALDIVA | 801 SW 189TH AVENUE PEMBROKE PINES, FL 33029 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $71 | $1K | 0.43% |
| JUDITH A DE MERCADO3 | 5634 NW 16 STREET FORT LAUDERDALE, FL 33313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $319 | $614 | $933 | 0.32% |
| DIANE CUNNINGHAM3 Filed as: DIANE SUSAN CUNNINGHAM | 3513D S. FEDERAL HIGHWAY BOYNTON BEACH, FL 33435 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $741 | $162 | $903 | 0.31% |
| JOSEPH GLENN EVANS3 | 4312 DIAMOND TERRACE WESTON, FL 33331 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $868 | — | $868 | 0.29% |
| EUGENE VILLA3 | 1918 DERBY TRAIL WELLINGTON, FL 33414 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $596 | $27 | $623 | 0.21% |
| KARL GRANT3 | PO BOX 590515 FORT LAUDERDALE, FL 33359 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $456 | — | $456 | 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 | $370 | — | $370 | 0.13% |
| KYLE RUSSEY3 | 6921 E. WEDGEWOOD AVENUE DAVIE, FL 33331 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $152 | $41 | $193 | 0.07% |
| JOSEPH A STALTARE3 | 22349 SW 56 AVENUE APT 1008 BOCA RATON, FL 33428 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $121 | — | $121 | 0.04% |
| DOROTHY J LATORRE3 | 725 NW 49TH STREET COCONUT CREEK, FL 33063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $100 | — | $100 | 0.03% |
| STEVEN VERMETTE INC3 | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $99 | — | $99 | 0.03% |
| MICHAEL ANTHONY DEFINO3 | 1918 DERBY TRAIL WELLINGTON, FL 33414 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $78 | — | $78 | 0.03% |
| KAREN NICOLE TOOLEN3 | 10010 NW 81 COURT TAMARAC, FL 33321 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | $5 | $46 | 0.02% |
| CANDICE KLEE3 | 2760 NE 16TH AVENUE POMPANO BEACH, FL 33064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 0.01% |
| ESTATE OF EDWIN W SAWDY3 | 113 MALAGA STREET ROYAL PALM BEACH, FL 33411 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.01% |
| MORFAR STRATEGIES INC3 Filed as: MORFAR STRATEGIES INC. | 6990 GRIFFIN ROAD DAVIE, FL 33314 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.01% |
| ALIDA MARIA DEL CID3 | 7025 BERACASA WAY SUITE 104 BOCA RATON, FL 33433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $10 | $20 | 0.01% |
| JUNIUS ROBERTS3 | 7901 HISPANOLA AVENUE NORTH BAY VILLAGE, FL 33141 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.00% |
| 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 | $30K | $12K | $42K | 21.00% |
| REFINED BENEFITS DBA SULLIVAN3 | 1105 NIKKI VIEW DR BRANDON, FL 335114879 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | — | $20K | 12.47% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 218 S US HIGHWAY 1 STE 300 TEQUESTA, FL 334692725 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 5.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | — | -$657 | -$657 | -0.41% |
| THOMPSON AND THOMPSON FINANCIAL INC3 | 17036 FOX TRAIL LN LOXAHATCHEE, FL 33470 | AFLAC | $623 | $53 | $676 | 6.92% |
| L A D FINANCIAL CORP3 | 4531 CADIZ CIR PALM BEACH GARDENS, FL 33418 | AFLAC | $108 | $11 | $119 | 1.22% |
| RND FINANCIAL ASSOCIATES INC3 | 12103 SW BAYBERRY AVE PORT ST LUCIE, FL 34987 | AFLAC | $68 | — | $68 | 0.70% |
| STEVE SERVI3 | 6421 CONGRESS AVE STE 100 BOCA RATON, FL 33487 | AFLAC | $52 | — | $52 | 0.53% |
| JUAN C SOSA3 Filed as: JUAN SOSA | 7875 RED RIVER RD WEST PALM BEACH, FL 33411 | AFLAC | $45 | — | $45 | 0.46% |
| RLT FINANCIAL ASSOC INC3 | 17036 FOX TRAIL LANE LOXAHATCHEE, FL 33470 | AFLAC | $38 | — | $38 | 0.39% |
| STEVE SERVI3 | 6127 S RAINBOW BLVD STE 110 LAS VEGAS, NV 89118 | AFLAC | $14 | $11 | $25 | 0.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $19 | — | $19 | 0.19% |
| LELAND E MCCRAVY3 | 9736 SPY GLASS DRIVE VILLA RICA, GA 30180 | AFLAC | $14 | — | $14 | 0.14% |
| DAVID S MORRIS3 | 950 PENINSULA CORPORATE CIRCLE SUITE 1005 BOCA RATON, FL 33487 | AFLAC | $9 | — | $9 | 0.09% |
| V V BENEFIT SOLUTIONS INC3 | 15704 75TH LANE N LOXAHATCHEE, FL 33470 | AFLAC | $7 | — | $7 | 0.07% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE ROAD THOMSON, GA 30824 | AFLAC | $7 | — | $7 | 0.07% |
| ALFRED RIETKERK3 | 3120 NE 47TH STREET FORT LAUDERDALE, FL 33308 | AFLAC | $6 | — | $6 | 0.06% |
| ADAM YOUNG3 | 10534 PALACIO RIDGE CT BOYNTON BEACH, FL 33473 | AFLAC | $4 | — | $4 | 0.04% |
| SUWAT ASSAWAMATIYANONT3 | 8171 HAMPTON WOOD DR BOCA RATON, FL 33433 | AFLAC | $2 | — | $2 | 0.02% |
| SUWAT ASSAWAMATIYANONT3 | 1800 NE 48TH COURT FORT LAUDERDALE, FL 33308 | AFLAC | $1 | — | $1 | 0.01% |
| 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% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $250K |
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 | 390 | 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) | 392 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 642 | $158K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 642 | $158K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 390 | $198K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 390 | $198K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 390 | $198K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 347 | $512K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 390 | $504K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 642 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.