| 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 | UNITED HEALTHCARE INSURANCE COMPANY | $11K | $126K | $137K | 5.25% |
| WORKSITE SOLUTIONS INC3 | 2901 CLINT MOORE RD. STE. 288 BOCA RATON, FL 33496 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18K | $234 | $18K | 23.00% |
| MICHAEL MARSHALL3 | 1134 SE 6TH CT. DANIA BEACH, FL 33004 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $691 | $516 | $1K | 1.52% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST. STE. 700 MINNEAPOLIS, MN 55402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $676 | — | $676 | 0.85% |
| LOURDES PRICE3 | 16002 SW 73RD ST. MIAMI, FL 33193 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $259 | $12 | $271 | 0.34% |
| THEODORE MCGONIGAL3 | 7451 S. ARAGON BLVD. SUNRISE, FL 33133 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $256 | — | $256 | 0.32% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES INC. | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $243 | — | $243 | 0.31% |
| DANITZA PENALOZA3 | 541 CARRINGTON LN. WESTON, FL 33326 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $94 | $5 | $99 | 0.12% |
| H&M OLORTEGUI AND ASSOCIATES3 Filed as: H&M OLORTEGUI & ASSOC. | PO BOX 823701 PEMBROKE PINES, FL 33082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $93 | — | $93 | 0.12% |
| ESQUEN INSURANCE GROUP CORP3 Filed as: ESQUEN INSURANCE GROUP CORP. | 14552 SW 152ND PL. MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $78 | $12 | $90 | 0.11% |
| GINA MARIE MARTINEZ3 Filed as: GINA MARTINEZ | 2401 NE 65TH ST. FT. LAUDERDALE, FL 33308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | — | $52 | 0.07% |
| MARY KATHERINE TORRENCE3 Filed as: MARY TORRENCE | 51 MAGNOLIA ST. MALDEN, MA 02148 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | $2 | $50 | 0.06% |
| STALTARE BENEFITS INC3 Filed as: STALTARE BENEFITS INC. | 700 E. ATLANTIC BLVD. POMPANO BEACH, FL 33060 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.04% |
| CREATIVE BENEFIT CONSULTANTS INC3 Filed as: CREATIVE BENEFIT CONSULTANTS INC. | 18214 102ND WAY S. BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.03% |
| MORFAR STRATEGIES INC3 Filed as: MORFAR STRATEGIES INC. | 6990 GRIFFIN RD. DAVIE, FL 33314 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.02% |
| CRAIG WAYNE SOTTILE3 Filed as: CRAIG SOTTILE | 324 BROOKLAND WAY WEST COLUMBIA, SC 29169 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.02% |
| MIS BENEFITS CONSULTANTS INC3 Filed as: MIS BENEFIT CONSULTANTS INC | 2663 RIO DE JANEIRO AVE. COOPER CITY, FL 33026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $5 | $13 | 0.02% |
| STEVEN VERMETTE INC3 Filed as: STEVEN VERMETTE INC. | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| ROSEANN REYNOLDS3 | 163 CEDAR ST. BRANFORD, CT 06405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $4 | $8 | 0.01% |
| DOUGLAS LOYAL NERDAHL3 Filed as: DOUGLAS NERDAHL | 41 W. 4TH AVE. SAN MATEO, CA 94402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $1 | $8 | 0.01% |
| JUDITH I VIDAL3 Filed as: JUDITH VIDAL | 7280 STIRLING RD. HOLLYWOOD, FL 33024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEM INC. | 1301 GERVAIS ST. COLUMBIA, SC 29201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| CORY JOSEPH FANECA3 Filed as: CORY FANECA | 3308 50TH AVE. E. BRADENTON, FL 34203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| EILEEN BERG3 | 319 THOMASTON RD. WATERTOWN, CT 06795 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| GRAEM M CLARK3 Filed as: GRAEM CLARK | 589 WINDMERE DR. LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| TIMOTHY J REED3 Filed as: TIMOTHY REED | 21 AZALEA DR. LUMBERTON, NJ 08048 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| FERNAN ENRIQUE LOPEZ3 Filed as: FERNAN LOPEZ | 735 DOLORES ST. STE. 1 SAN FRANCISCO, CA 94110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| THE CLARK GROUP OF SC3 | 589 WINDMERE DR. LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| WORKSITE SOLUTIONS INC3 Filed as: WORKSITE SOLUTIONS, INC. | 2901 CLINT MOORE RD. STE. 288 BOCA RATON, FL 33496 | TRUSTMARK INSURANCE COMPANY | $16K | — | $16K | 21.00% |
| LOURDES PRICE3 | 123 MAIN MIAMI, FL 33193 | TRUSTMARK INSURANCE COMPANY | $97 | — | $97 | 0.12% |
| DANITZA PENALOZA3 | 3150 W. ROLLING HILLS CIR. STE. 103 DAVIE, FL 33328 | TRUSTMARK INSURANCE COMPANY | $71 | — | $71 | 0.09% |
| HERNAN OLORTEGUI3 | 134 NW 1089 AVE. 102 PEMBROKE PINES, FL 33026 | TRUSTMARK INSURANCE COMPANY | $55 | — | $55 | 0.07% |
| AMERICAN HEALTH ACCESS INC3 Filed as: AMERICAN HEALTH ACCESS, INC. | 255 ALHAMBRA CIR. STE. 1200 CORAL GABLES, FL 331347413 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 9.90% |
| P FINANCIAL DBA PFLEGER3 | 255 ALHAMBRA CIR., STE. 1200 CORAL GABLES, FL 33134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 14.68% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST. STE. 700 MINNEAPOLIS, MN 55402 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 15.19% |
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 | 480 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 480 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 595 | $2.8M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 595 | $2.6M |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 341 | $90K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 90 | $80K |
| Long-term disability(2 contracts, 2 carriers) | TRUSTMARK INSURANCE COMPANY | 342 | $153K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 341 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 595 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.