| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP LLC | PO BOX 1414 MINNEAPOLIS, MN 55480 | AETNA HEALTH, INC. | — | $147K | $147K | 4.86% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC | PO BOX 1414 MINNEAPOLIS, MN 55480 | AETNA LIFE INSURANCE COMPANY | $11K | $869 | $12K | 8.55% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 1000 S PINE ISLAND RD, SUITE 225 PLANTATION, FL 33324 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | — | $12K | 10.00% |
| WORKSITE SOLUTIONS INC3 | 2901 CLINT MOORE RD SUITE 288 BOCA RATON, FL 33496 | TRUSTMARK INSURANCE COMPANY | $20K | — | $20K | 19.16% |
| MICHAEL MARQUEZ3 Filed as: MICHAEL A PALMA | 8639 NW 2 LANE MIAMI, FL 33126 | TRUSTMARK INSURANCE COMPANY | $538 | — | $538 | 0.51% |
| LOURDES PRICE3 | 123 MAIN MIAMI, FL 33193 | TRUSTMARK INSURANCE COMPANY | $83 | — | $83 | 0.08% |
| DANITZA PENALOZA3 | 3150 W ROLLING HILLS CIRCLE STE 103 DAVIE, FL 33328 | TRUSTMARK INSURANCE COMPANY | $73 | — | $73 | 0.07% |
| HERNAN OLORTEGUI3 | 134 NW 109 AVE 102 PEMBROKE PINES, FL 33026 | TRUSTMARK INSURANCE COMPANY | $49 | — | $49 | 0.05% |
| WORKSITE SOLUTIONS INC3 | 2901 CLINT MOORE RD SUITE 288 BOCA RATON, FL 33496 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21K | $444 | $21K | 24.00% |
| MICHAEL MARSHALL3 | 1134 SE 6TH COURT DANIA BEACH, FL 33004 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $784 | $877 | $2K | 1.89% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | PO BOX 1414 MINNEAPOLIS, MN 55480 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $678 | — | $678 | 0.77% |
| SHEALY BENEFITS SERVICES INC3 | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $245 | — | $245 | 0.28% |
| LOURDES PRICE3 Filed as: LOURDES YOLANDA PRICE | 16002 SW 73RD STREET MIAMI, FL 33193 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $90 | — | $90 | 0.10% |
| GINA MARIE MARTINEZ3 | 2401 NE 65TH STREET FT LAUDERDALE, FL 33308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | — | $55 | 0.06% |
| ESQUEN INSURANCE GROUP CORP3 Filed as: ESQUEN INSURANCE GROUP | 14552 SW 152ND PLACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 0.05% |
| STALTARE BENEFITS INC3 | 700 E ATLANTIC BLVD POMPANO BEACH, FL 33060 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.04% |
| CREATIVE BENEFIT CONSULTANTS INC3 | 18214 102ND WAY SOUTH BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.03% |
| MORFAR STRATEGIES INC3 | 699 GRIFFIN ROAD DAVIE, FL 33314 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.02% |
| CRAIG WAYNE SOTTILE3 | 408 CEDAR PINES DRIVE GREENVILLE, SC 29615 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.02% |
| STEVEN VERMETTE INC3 | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| CORY JOSEPH FANECA3 | 3308 50TH AVE EAST BRADENTON, FL 34203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| LESLIE BRERETON3 | 2125 NE 63RD COURT BRADENTON, FL 33308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| THE CLARK GROUP OF SC3 | 589 WINDMERE DRIVE LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| AMERICAN HEALTH ACCESS INC3 | 255 ALHAMBRA CIRCLE STE 1200 CORAL GABLES, FL 33134 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 11.23% |
| P. FINANCIAL, INC. DBA PFLEGER3 Filed as: P.FINANCIAL, INC DBA PFLEGER | 255 ALHAMBRA CIRCLE, SUITE 1200 CORAL GABLES, FL 33134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 14.93% |
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 | 359 | 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) | 359 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | AETNA HEALTH, INC. | 554 | $3.4M |
| Dental | AETNA LIFE INSURANCE COMPANY | 422 | $136K |
| Vision | AETNA LIFE INSURANCE COMPANY | 422 | $136K |
| Life insurance(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 368 | $318K |
| Short-term disability(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 368 | $318K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 368 | $178K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 368 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 554 | — |
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.