| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 S. 8TH STREET MINNEAPOLIS, MN 55402 | NEIGHBORHOOD HEALTH PARTNERSHIP | — | $97K | $97K | 5.03% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 S. 8TH STREET MINNEAPOLIS, MN 55402 | UNITED HEALTHCARE INSURANCE COMPANY | $10K | $32K | $43K | 5.71% |
| WORKSITE SOLUTIONS INC3 | 2901 CLINT MOORE RD. STE. 288 BOCA RATON, FL 33496 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28K | $418 | $28K | 31.32% |
| VB INSURANCE GROUP LLC3 | 17545 MIDDLEBROOK WAY BOCA RATON, FL 33496 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 3.06% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST. STE. 700 MINNEAPOLIS, MN 55402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $92 | $2K | 1.70% |
| EMPLOYEE ENROLLMENT ENTERPRISES INC3 | 16002 SW 73RD ST. MIAMI, FL 33193 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $133 | $1K | 1.61% |
| MICHAEL MARSHALL3 | 1134 SE 6TH CT. DANIA BEACH, FL 33004 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $960 | $199 | $1K | 1.30% |
| DANITZA PENALOZA3 | 541 CARRINGTON LN. WESTON, FL 33326 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $960 | — | $960 | 1.07% |
| H&M OLORTEGUI AND ASSOCIATES3 Filed as: H&M OLORTEGUI & ASSOC. | PO BOX 923701 PEMBROKE PINES, FL 33082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $892 | — | $892 | 1.00% |
| THEODORE MCGONIGAL3 | 7451 S. ARAGON BLVD. SUNRISE, FL 33133 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $715 | $30 | $745 | 0.83% |
| ESQUEN INSURANCE GROUP CORP3 Filed as: ESQUEN INSURANCE GROUP CORP. | 14552 SW 152ND PL. MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $464 | $198 | $662 | 0.74% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES INC. | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $531 | $93 | $624 | 0.70% |
| MARY KATHERINE TORRENCE3 Filed as: MARY TORRENCE | 51 MAGNOLIA ST. MALDEN, MA 02148 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $440 | $56 | $496 | 0.55% |
| LOURDES PRICE3 | 16002 SW 73RD ST. MIAMI, FL 33193 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $296 | $166 | $462 | 0.52% |
| GINA MARIE MARTINEZ3 Filed as: GINA MARTINEZ | 2401 NE 65TH ST. FT. LAUDERDALE, FL 33308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $114 | $69 | $183 | 0.20% |
| CRAIG WAYNE SOTTILE3 Filed as: CRAIG SOTTILE | 324 BROOKLAND WAY WEST COLUMBIA, SC 29169 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | $48 | $94 | 0.11% |
| MIS BENEFITS CONSULTANTS INC3 Filed as: MIS BENEFIT CONSULTANTS INC | 2663 RIO DE JANEIRO AVE. COOPER CITY, FL 33026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $80 | $8 | $88 | 0.10% |
| ROSEANN REYNOLDS3 | 163 CEDAR ST. BRANFORD, CT 06405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | $44 | $81 | 0.09% |
| DOUGLAS LOYAL NERDAHL3 Filed as: DOUGLAS NERDAHL | 41 W. 4TH AVE. SAN MATEO, CA 94402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $78 | — | $78 | 0.09% |
| JUDITH I VIDAL3 Filed as: JUDITH VIDAL | 7280 STIRLING RD. HOLLYWOOD, FL 33024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74 | $1 | $75 | 0.08% |
| STALTARE BENEFITS INC3 Filed as: STALTARE BENEFITS INC. | 700 E. ATLANTIC BLVD. POMPANO BEACH, FL 33060 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | — | $52 | 0.06% |
| GRAEM M CLARK3 Filed as: GRAEM CLARK | 589 WINDMERE DR. LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $26 | $51 | 0.06% |
| CREATIVE BENEFIT CONSULTANTS INC3 Filed as: CREATIVE BENEFIT CONSULTANTS INC. | 18214 102ND WAY S. BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 0.05% |
| EILEEN BERG3 | 319 THOMASTON RD. WATERTOWN, CT 06795 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.04% |
| MORFAR STRATEGIES INC3 Filed as: MORFAR STRATEGIES INC. | 6990 GRIFFIN RD. DAVIE, FL 33314 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.04% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEM INC. | 1301 GERVAIS ST. COLUMBIA, SC 29201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $9 | $29 | 0.03% |
| CORY JOSEPH FANECA3 Filed as: CORY FANECA | 3308 50TH AVE. E. BRADENTON, FL 34203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.03% |
| TIMOTHY J REED3 Filed as: TIMOTHY REED | 21 AZALEA DR. LUMBERTON, NJ 08048 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $3 | $22 | 0.02% |
| FERNAN ENRIQUE LOPEZ3 Filed as: FERNAN LOPEZ | 735 DOLORES ST. STE. 1 SAN FRANCISCO, CA 94110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $6 | $19 | 0.02% |
| STEVEN VERMETTE INC3 Filed as: STEVEN VERMETTE INC. | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| LESLIE BRERETON3 | 2125 NE 63RD CT. FT. LAUDERDALE, FL 33308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.01% |
| BRAD BIEL3 | 2 GOLD ST. NEW YORK, NY 10038 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $2 | $3 | 0.00% |
| THE WORKSITE GROUP LLC3 | 310 PASSAIC AVE. FAIRFIELD, NJ 07004 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.00% |
| WORKSITE SOLUTIONS INC3 Filed as: WORKSITE SOLUTIONS, INC. | 2901 CLINT MOORE RD. STE. 288 BOCA RATON, FL 33496 | TRUSTMARK INSURANCE COMPANY | $25K | — | $25K | 29.99% |
| DANITZA PENALOZA3 | 3150 W. ROLLING HILLS CIR. STE. 103 DAVIE, FL 33328 | TRUSTMARK INSURANCE COMPANY | $473 | — | $473 | 0.56% |
| LOURDES PRICE3 | 123 MAIN MIAMI, FL 33193 | TRUSTMARK INSURANCE COMPANY | $385 | — | $385 | 0.46% |
| HERNAN OLORTEGUI3 Filed as: HERNAN ORTEGUI | 134 NW 1089 AVE. 102 PEMBROKE PINES, FL 33026 | TRUSTMARK INSURANCE COMPANY | $189 | — | $189 | 0.22% |
| AMERICAN HEALTH ACCESS INC3 Filed as: AMERICAN HEALTH ACCESS, INC. | 255 ALHAMBRA CIR. STE. 1200 CORAL GABLES, FL 331347413 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 5.54% |
| JAMES M. PFLEGER3 Filed as: JAMES PFLEGER | 255 ALHAMBRA CIR. STE. 1200 CORAL GABLES, FL 331347413 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 3.64% |
| P FINANCIAL DBA PFLEGER3 | 255 ALHAMBRA CIR., STE. 1200 CORAL GABLES, FL 33134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.00% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST. STE. 700 MINNEAPOLIS, MN 55402 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 15.69% |
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 | 304 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 308 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | NEIGHBORHOOD HEALTH PARTNERSHIP | 436 | $2.9M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 201 | $746K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 201 | $746K |
| Life insurance(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 298 | $186K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 111 | $89K |
| Long-term disability(2 contracts, 2 carriers) | TRUSTMARK INSURANCE COMPANY | 304 | $156K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 298 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 436 | — |
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.