| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | NCB-88 PO BOX 1414 MINNEAPOLIS, MN 55408 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $194K | $3K | $197K | 19.17% |
| 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 | $26K | $15K | $41K | 15.85% |
| WORKSITE SOLUTIONS INC3 | 2901 CLINT MOORE RD SUITE 288 BOCA RATON, FL 33496 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16K | — | $16K | 18.81% |
| MICHAEL MARSHALL3 | 1134 SE 6TH CT DANIA BEACH, FL 33004 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $495 | $273 | $768 | 0.93% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP | 80 S 8TH STREET MINNEAPOLIS, MN 55402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $388 | — | $388 | 0.47% |
| SHEALY BENEFITS SERVICES INC3 | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $218 | — | $218 | 0.26% |
| HAYS COMPANIES, INC.3 Filed as: HAYES COMPANIES INC | 80 S 8TH STREET MINNEAPOLIS, MN 55402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $176 | — | $176 | 0.21% |
| LOURDES PRICE3 Filed as: LOURDES YOLANDA PRICE | 16002 SW 73RD STREET MIAMI, FL 33193 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | — | $68 | 0.08% |
| GINA MARIE MARTINEZ3 | 2401 NE 65TH STREET FT LAUDERDALE, FL 33308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | — | $45 | 0.05% |
| ESQUEN INSURANCE GROUP CORP3 Filed as: ESQUEN INSURANCE GROUP | 14552 SW 152ND PLACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.04% |
| STALTARE BENEFITS INC3 | 1172 SE 3RD TERRACE DEERFIELD, FL 33441 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.03% |
| CREATIVE BENEFIT CONSULTANTS INC3 | 18214 102ND WAY SOUTH BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.03% |
| CRAIG WAYNE SOTTILE3 | 8 PETER BROOK CT SIMPSONVILLE, SC 29681 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.02% |
| MORFAR STRATEGIES INC3 | 699 GRIFFIN ROAD DAVIE, FL 33314 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.01% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| STEVEN VERMETTE INC3 | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| THE CLARK GROUP OF SC3 | 589 WINDMERE DR LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| CORY JOSEPH FANECA3 | 3308 50TH AVE EAST BRADENTON, FL 34203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| WORKSITE SOLUTIONS INC3 | 2901 CLINT MOORE RD SUITE 288 BOCA RATON, FL 33496 | TRUSTMARK INSURANCE COMPANY | $28K | — | $28K | 35.26% |
| LOURDES PRICE3 | 123 MAIN MIAMI, FL 33193 | TRUSTMARK INSURANCE COMPANY | $19 | — | $19 | 0.02% |
| DANITZA PENALOZA3 | 3150 W ROLLING HILLS CIRCLE STE 103 DAVIE, FL 33328 | TRUSTMARK INSURANCE COMPANY | $16 | — | $16 | 0.02% |
| MICHAEL MARQUEZ3 Filed as: MICHAEL A PALMA | 8639 NW 2 LANE MIAMI, FL 33126 | TRUSTMARK INSURANCE COMPANY | $16 | — | $16 | 0.02% |
| HERNAN OLORTEGUI3 | 134 NW 109 AVE 102 PEMBROKE PINES, FL 33026 | TRUSTMARK INSURANCE COMPANY | $12 | — | $12 | 0.02% |
| 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 | $4K | — | $4K | 15.11% |
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)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 260 | $1.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 260 | $1.0M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 260 | $1.0M |
| Life insurance(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 401 | $421K |
| Short-term disability(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 401 | $421K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 401 | $260K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 401 | $284K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 401 | — |
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.