| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINA BEACH, VA 234662689 | BLUE CROSS BLUE SHIELD OF FLORIDA | $11K | — | $11K | 5.00% |
| USI INSURANCE SERVICES LLC3 | 200 W CYPRESS CREEK ROAD FT LAUDERDALE, FL 33309 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11K | $559 | $11K | 13.86% |
| GINA MARIE MARTINEZ3 | 2401 NE 65TH STREET FT LAUDERDALE, FL 33308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $3K | $5K | 5.63% |
| SHEALY BENEFITS SERVICES INC3 | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 5.12% |
| RGL INSURANCE AGENCY3 Filed as: RGL INSURANCE AGENCY INC | 1000 WEST MCNAB ROAD POMPANO BEACH, FL 33069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 3.09% |
| EDGARDO JESUS MINI-ESPEJO3 | 13500 SW 88TH STREET SUITE 211 MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $278 | $2K | 2.38% |
| MARIA D KADALA3 | 1830 N UNIVERSITY DRIVE PLANTATION, FL 33322 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $884 | $81 | $965 | 1.20% |
| WILLIAM ALFRED ROCKER3 | 16920 SW 78TH PLACE PALMETTO BAY, FL 33157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $717 | — | $717 | 0.89% |
| LORENZO REYES3 | 126 PIONEER TRAIL MARIETTA, GA 30068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $91 | $625 | $716 | 0.89% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEM | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $271 | $439 | $710 | 0.89% |
| RYAN GRADY LEGGETT3 | 3040 ROSEWOOD CT DAVOE, FL 33328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $701 | $5 | $706 | 0.88% |
| FRANCES PUELS-RICCARDI3 | 7822 NW 62ND TERRACE PARKLAND, FL 33067 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $355 | — | $355 | 0.44% |
| AMG BRICKELL INC DBA AGENTS MARKETI3 | 12864 BISCAYNE BLVD NORTH MIAMI, FL 33181 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $354 | — | $354 | 0.44% |
| VERONICA FARR3 | 4011 NE 24TH AVENUE LIGHTOHOUSE POINT, FL 33064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $349 | — | $349 | 0.44% |
| BENJAMIN DARANG3 | 2901 NW 48 AVE APT 167 LAUDERDALE LAKES, FL 33313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $338 | $8 | $346 | 0.43% |
| MORFAR STRATEGIES INC3 | 6990 GRIFFIN ROAD DAVIE, FL 33314 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $272 | $63 | $335 | 0.42% |
| VICKI LYNN BARKLEY3 | 1272 NW 52ND WAY DEERFIELD BEACH, FL 33442 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $325 | — | $325 | 0.41% |
| B & B INSURANCE SOLUTIONS INC3 Filed as: B&B INSURANCE SOLUTIONS | 12002 SW 128TH CT MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $154 | $146 | $300 | 0.37% |
| LISA M RUSSEY3 | 6990 GRIFFIN ROAD DAVIE, FL 33314 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $267 | $15 | $282 | 0.35% |
| SUNBAY CONSULTING SERVICES LLC3 | 16523 NW 5TH COURT PEMBROKE PINES, FL 33028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $279 | — | $279 | 0.35% |
| CAROL BARNES3 | 2561 FALCON RIDGE DRIVE GRAYSON, GA 30017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $242 | $31 | $273 | 0.34% |
| KYLE RUSSEY3 | 6921 E WEDGEWOOD AVE DAVIE, FL 33331 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $205 | $33 | $238 | 0.30% |
| PAMELA EISELE FAZIO3 | 301 CAMBRIDGE ROAD HOLLYWOOD, FL 33024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $218 | $17 | $235 | 0.29% |
| MATTHEW GRADY LEGGETT3 | 3040 ROSEWOOD CT DAVIE, FL 33328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $207 | $19 | $226 | 0.28% |
| ACHIOTE ENTERPRISES INC3 | 37 HENDRICKS ISLE FT LAUDERDALE, FL 33301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $91 | $89 | $180 | 0.22% |
| AMY E COHEN3 Filed as: AMY COHEN | 19967 VILLA LANTE PLACE BOCA RATON, FL 33434 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $154 | $8 | $162 | 0.20% |
| CAROLYN GROVER3 | 206 FOX CHAPEL DRIVE IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $132 | $18 | $150 | 0.19% |
| ESQUEN INSURANCE GROUP CORP3 | 14552 SW 152ND PLACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $110 | $34 | $144 | 0.18% |
| CHRISTINA BIEBER3 | 12827 WOODMILL DRIVE PALM BEACH GARDENS, FL 33418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $83 | $3 | $86 | 0.11% |
| SALTARE BENEFITS INC3 | 700 E ATLANTIC BLVD POMPANO BEACH, FL 33060 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | — | $62 | 0.08% |
| MICHAEL MARSHALL3 | 1134 SE 6TH CT DANIA BEACH, FL 33004 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $41 | $58 | 0.07% |
| JUDITH I VIDAL3 Filed as: JUDITH VIDAL | 7280 STIRLING ROAD HOLLYWOOD, FL 33024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | — | $52 | 0.06% |
| CATHERINE ANN ARAUJO3 | 2570 NW 94TH WAY SUNRISE, FL 33322 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | $1 | $50 | 0.06% |
| CASANDRA KRAMER3 | 640 E PIONEER LOOP LA CENTER, WA 98629 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | $3 | $46 | 0.06% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $17 | $37 | 0.05% |
| PEACOCK FINANCIALS INC3 Filed as: PEACOCK FINANCIALS | 6990 GRIFFIN ROAD DAVIE, FL 33314 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.04% |
| CREATIVE BENEFIT CONSULTANTS INC3 | 18214 102ND WAY S BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.04% |
| LAWRENCE DAVID FURNISS3 | 12825 SW 112 TERRACE MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.04% |
| RJK & ASSOCIATES INC3 Filed as: RJK & ASSOC IN | 1800 PEACHTREE STREET NW ATLANTA, GA 30309 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $17 | $25 | 0.03% |
| GARY NABORS3 | 4302 HOLLYWOOD BLVD HOLLYWOOD, FL 33021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $8 | $23 | 0.03% |
| GEORGE GERALD ONEILL3 | 1601 YALE DRIVE HOLLYWOOD, FL 33021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $2 | $17 | 0.02% |
| LISA MARIE OTERO3 | 23230 ISLAND VIEW BOCA RATON, FL 33433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.02% |
| PATRICIA BLANCO ESPARZA3 | 4309 BRADLEY LN ARLINGTON, TX 76017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.02% |
| DAVID CHRISTOPHER NUNES3 | 11725 SW 132 COURT MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| DANSANA CORP3 | 3117 GOLD BANKS RD WAKE FOREST, NC 27587 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| PREMIER WORKSITE SOLUTIONS INC3 | 112 NW 114TH STREET VANCOUVER, WA 98685 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $4 | $8 | 0.01% |
| CRAIG WAYNE SOTTILE3 | 408 CEDAR PINES DRIVE GREENVILLE, SC 29615 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $2 | $8 | 0.01% |
| HOWARD HOROWITZ3 | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| JOSEPH GLENN EVANS3 | 4312 DIAMOND TERRACE WESTON, FL 33331 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $1 | $4 | 0.00% |
| JOSEPH A STALTARE3 Filed as: JOSEPH MICHAEL GANNON | 2331 SW 52ND STREET FT LAUDERDALE, FL 33312 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| MPART BENEFITS INC3 | 4621 GLEN HEATHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.00% |
| MARIA L OVALLE3 | 106 ZAMORA AVE 4 CORAL GABLES, FL 33134 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 234662689 | BLUE CROSS BLUE SHIELD OF FLORIDA | $2K | — | $2K | 5.00% |
| RGL INSURANCE AGENCY3 | 6848 GRIFFIN ROAD DAVIE, FL 33314 | HUMANA INSURANCE COMPANY | $898 | — | $898 | 8.08% |
| USI INSURANCE SERVICES LLC3 | 2400 E COMMERICAL BLVD FT LAUDERDALE, FL 333084050 | HUMANA INSURANCE COMPANY | $58 | — | $58 | 0.52% |
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 | 78 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 78 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 78 | $274K |
| Dental(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 78 | $274K |
| Vision | HUMANA INSURANCE COMPANY | 50 | $11K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 66 | $80K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 66 | $80K |
| Long-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 66 | $80K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 78 | $274K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 78 | — |
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.