| 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 | $61K | $4K | $65K | 10.63% |
| TILTON ASSOCIATES INC3 | 4141 NW 10 STREET COCONUT CREEK, FL 33066 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28K | $15K | $43K | 12.13% |
| CREATIVE BENEFIT CONSULTANTS INC3 | 18214 102ND WAY S BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $6K | $14K | 4.08% |
| RODNEY J VALDIVIA3 Filed as: RODNEY J VALDIVA | 801 SW 189TH AVENUE PEMBROKE PINES, FL 33029 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $376 | $3K | 0.82% |
| AMY NICOLE CUNNINGHAM3 | 2450 DUNLIN DUNES PLACE TAMPA, FL 33619 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.65% |
| NICOLE ANGELLA DEMETRIUS3 | 8150 NW 47TH DR CORAL SPRINGS, FL 33067 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $167 | $2K | 0.64% |
| EUGENE VILLA3 | 1918 DERBY TRAIL WELLINGTON, FL 33414 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.58% |
| JEFFREY D MCCOY3 | 8549 BUTLER GREENWOOD DRIVE ROYAL PALM BEACH, FL 33411 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $237 | $2K | 0.48% |
| ALIDA MARIA DEL CID3 | 7025 BERACASA WAY SUITE 104 BOCA RATON, FL 33433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $62 | $1K | 0.41% |
| JAMES MICHAEL BROWNE3 | 4904 NW 52ND AVENUE COCONUT CREEK, FL 33073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $100 | $1K | 0.36% |
| JOSEPH GLENN EVANS3 | 4312 DIAMOND TERRACE WESTON, FL 33331 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $858 | — | $858 | 0.24% |
| STEVEN OLSEN3 | 126 S ANCHORAGE DRIVE N PALM BEACH, FL 33408 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $663 | — | $663 | 0.19% |
| JUDITH A DE MERCADO3 | 5634 NW 16 STREET FORT LAUDERDALE, FL 33313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $509 | $127 | $636 | 0.18% |
| DARLENE SWAFFER3 | 7774 LA MIRADA DRIVE BOCA RATON, FL 33433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $472 | $120 | $592 | 0.17% |
| ANDRY BEZAI CHIRINOS DE DELGADO3 | 1532 WINTERBERRY LANE WESTON, FL 33327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $491 | — | $491 | 0.14% |
| MICHAEL ANTHONY DEFINO3 | 1918 DERBY TRAIL WELLINGTON, FL 33414 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $447 | — | $447 | 0.13% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL | 100 N.E. THIRD AVENUE FORT LAUDERDALE, FL 33301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $160 | — | $160 | 0.05% |
| KYLE RUSSEY3 | 6921 E. WEDGEWOOD AVENUE DAVIE, FL 33331 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $112 | — | $112 | 0.03% |
| DIANE CUNNINGHAM3 Filed as: DIANE SUSAN CUNNINGHAM | 3513D S. FEDERAL HIGHWAY BOYNTON BEACH, FL 33435 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $109 | — | $109 | 0.03% |
| MICHAEL PATRICK MACDONALD3 | 5760 LAKESIDE DRIVE APT 202 MARGATE, FL 33063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $95 | $12 | $107 | 0.03% |
| DOROTHY J LATORRE3 | 725 NW 49TH STREET COCONUT CREEK, FL 33063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $103 | — | $103 | 0.03% |
| STEVEN VERMETTE INC3 | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $97 | — | $97 | 0.03% |
| JOSEPH A STALTARE3 | 11085 SACCO DR BOCA RATON, FL 33428 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $96 | — | $96 | 0.03% |
| KARL GRANT3 | PO BOX 590515 FORT LAUDERDALE, FL 33359 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $84 | — | $84 | 0.02% |
| KAREN NICOLE TOOLEN3 | 10010 NW 81 COURT TAMARAC, FL 33321 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | — | $63 | 0.02% |
| CANDICE KLEE3 | 2760 NE 16TH AVENUE POMPANO BEACH, FL 33064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.01% |
| ESTATE OF EDWIN W SAWDY3 | 113 MALAGA STREET ROYAL PALM BEACH, FL 33411 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.01% |
| LYNNE CAROL WILSON3 | 2516 SW DANBURY LANE PALM CITY, FL 34990 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.01% |
| MORFAR STRATEGIES INC3 Filed as: MORFAR STRATEGIES INC. | 6990 GRIFFIN ROAD DAVIE, FL 33314 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.01% |
| JUNIUS ROBERTS3 | 7901 HISPANOLA AVENUE NORTH BAY VILLAGE, FL 33141 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| JORDANO GROUP INC3 | 12751 ORANGE BLVD WEST PALM BEACH, FL 33412 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| CORE ADVISING GROUP INC3 | 4982 COVEY TRAIL BOCA RATON, FL 33487 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.00% |
| REFINED BENEFITS DBA SULLIVAN3 Filed as: REFINED BENEFITS | 1105 NIKKI VIEW DRIVE BRANDON, FL 335114879 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $33K | $13K | $46K | 20.86% |
| REFINED BENEFITS DBA SULLIVAN3 | 1105 NIKKI VIEW DR BRANDON, FL 335114879 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | — | $16K | 9.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 218 S US HIGHWAY 1 STE 300 TEQUESTA, FL 334692725 | METROPOLITAN LIFE INSURANCE COMPANY | -$15K | — | -$15K | -9.13% |
| THOMPSON AND THOMPSON FINANCIAL INC3 | 17036 FOX TRAIL LN LOXAHATCHEE, FL 33470 | AFLAC | $375 | — | $375 | 4.88% |
| RND FINANCIAL ASSOCIATES INC3 | 12103 SW BAYBERRY AVE PORT ST LUCIE, FL 34987 | AFLAC | $66 | — | $66 | 0.86% |
| L A D FINANCIAL CORP3 | 4531 CADIZ CIR PALM BEACH GARDENS, FL 33418 | AFLAC | $47 | — | $47 | 0.61% |
| STEVE SERVI3 | 6127 S RAINBOW BLVD STE 110 LAS VEGAS, NV 89118 | AFLAC | $27 | — | $27 | 0.35% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $17 | — | $17 | 0.22% |
| RLT FINANCIAL ASSOC INC3 | 17036 FOX TRAIL LANE LOXAHATCHEE, FL 33470 | AFLAC | $16 | — | $16 | 0.21% |
| JUAN C SOSA3 Filed as: JUAN SOSA | 7875 RED RIVER RD WEST PALM BEACH, FL 33411 | AFLAC | $13 | — | $13 | 0.17% |
| DAVID S MORRIS3 | 950 PENINSULA CORPORATE CIRCLE SUITE 1005 BOCA RATON, FL 33487 | AFLAC | $8 | — | $8 | 0.10% |
| ALFRED RIETKERK3 | 3120 NE 47TH STREET FORT LAUDERDALE, FL 33308 | AFLAC | $5 | — | $5 | 0.07% |
| LAD FINANCIAL CORP3 Filed as: LAD FINACIAL CORP | 13308 ALTON RD PALM BEACH GRADENS, FL 33418 | AFLAC | $4 | — | $4 | 0.05% |
| LELAND E MCCRAVY3 | 9736 SPY GLASS DRIVE VILLA RICA, GA 30180 | AFLAC | $3 | — | $3 | 0.04% |
| ADAM YOUNG3 | 10534 PALACIO RIDGE CT BOYNTON BEACH, FL 33473 | AFLAC | $2 | — | $2 | 0.03% |
| SUWAT ASSAWAMATIYANONT3 | 8171 HAMPTON WOOD DR BOCA RATON, FL 33433 | AFLAC | $2 | — | $2 | 0.03% |
| CHRISTINE M SINTAY3 | 1972 ALCOVA RIDGE DRIVE LAS VEGAS, NV 89135 | AFLAC | $2 | — | $2 | 0.03% |
| V V BENEFIT SOLUTIONS INC3 | 15704 75TH LANE N LOXAHATCHEE, FL 33470 | AFLAC | $1 | — | $1 | 0.01% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE ROAD THOMSON, GA 30824 | 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% |
| 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 | — | $259K |
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 | 409 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 412 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 655 | $161K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 655 | $161K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 400 | $222K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 400 | $222K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 400 | $222K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 320 | $608K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 400 | $581K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 655 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.