| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BENEFIT CONCEPTS INC3 Filed as: GROUP BENEFIT CONCEPTS, INC. | 10360 SW 186TH ST. MIAMI, FL 331975001 | NEIGHBORHOOD HEALTH PARTNERSHIP | — | $46K | $46K | 7.13% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | NEIGHBORHOOD HEALTH PARTNERSHIP | — | $2K | $2K | 0.27% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST. STE. 700 MINNEAPOLIS, MN 55402 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 3.74% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP, INC. | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 9.42% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST. STE. 700 MINNEAPOLIS, MN 55402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $952 | $6K | 18.07% |
| SHEALY BENEFITS SERVICES INC3 | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $567 | $2K | 5.44% |
| ESQUEN INSURANCE GROUP CORP3 | 14552 SW 152ND PL. MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $937 | $330 | $1K | 3.90% |
| IVAN GONIMA3 | 1406 SELBYDON WAY WINTER GARDEN, FL 34787 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $855 | $292 | $1K | 3.53% |
| CRAIG WAYNE SOTTILE3 Filed as: CRAIG SOTTILE | 324 BROOKLAND WAY WEST COLUMBIA, SC 29169 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $564 | $389 | $953 | 2.93% |
| BENJAMIN DARANG3 | 2901 NW 48 AVE. APT. 167 LAUDERDALE LAKES, FL 33313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $817 | $44 | $861 | 2.65% |
| GINA MARIE MARTINEZ3 Filed as: GINA MARTINEZ | 2401 NE 65TH ST. FT. LAUDERDALE, FL 33308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $244 | $207 | $451 | 1.39% |
| FELIPE CARLOS BARREDA3 Filed as: FELIPE BARREDA | 1205 MARIPOSA AVE. APT. 227 CORAL GABLES, FL 33146 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $364 | $31 | $395 | 1.22% |
| H&M OLORTEGUI AND ASSOCIATES3 Filed as: H&M OLORTEGUI & ASSOCIATES | PO BOX 823701 PEMBROKE PINES, FL 33082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $303 | — | $303 | 0.93% |
| GRAEM M CLARK3 Filed as: GRAEM CLARK | 589 WINDMERE DR. LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $125 | $159 | $284 | 0.87% |
| KYLE RUSSEY3 | 6921 E. WEDGEWOOD AVE. DAVIE, FL 33331 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $99 | $167 | $266 | 0.82% |
| EMPLOYEE ENROLLMENT ENTERPRISES INC3 | 16002 SW 73RD ST. MIAMI, FL 33193 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $202 | $25 | $227 | 0.70% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEM INC. | 1301 GERVAIS ST. COLUMBIA, SC 29201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | $104 | $181 | 0.56% |
| KALINA QUINTANA3 | 8261 NW 8TH ST. MIAMI, FL 33126 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $87 | $6 | $93 | 0.29% |
| LOURDES PRICE3 | 16002 SW 73RD ST. MIAMI, FL 33193 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | — | $61 | 0.19% |
| B & B INSURANCE SOLUTIONS INC3 Filed as: B&B INSURANCE SOLUTIONS INC. | 14716 SW 112 TERR. MIAMI, FL 33027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $16 | $32 | 0.10% |
| JUDITH I VIDAL3 Filed as: JUDITH VIDAL | 7280 STIRLING RD. HOLLYWOOD, FL 33024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.03% |
| KATTY W COHEN3 Filed as: KATTY COHEN | 21711 TOWN PLACE DR. BOCA RATON, FL 33433 | AFLAC | $2K | $14 | $2K | 5.30% |
| SHARON BASSOFF INC3 Filed as: SHARON BASOFF INC. | 11550 SW 9TH CT. PEMBROKE PINES, FL 33025 | AFLAC | $665 | $14 | $679 | 2.28% |
| STEVEN B HULNICK3 Filed as: STEVEN HULNICK | 7878 EMERALD WINDS CIR. BOYNTON BEACH, FL 33473 | AFLAC | $412 | — | $412 | 1.38% |
| KENDALL C HUDSON3 Filed as: KENDALL HUDSON | 801 NORTHPOINT PKY. STE. 35 WEST PALM BEACH, FL 33407 | AFLAC | $160 | — | $160 | 0.54% |
| JOSHUA BUZZARD3 | 7458 TRESCOTT DR. LAKE WORTH, FL 33467 | AFLAC | $147 | $5 | $152 | 0.51% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE RD. THOMSON, GA 30824 | AFLAC | $118 | — | $118 | 0.40% |
| BRENDA GARRETT3 | 13489 VILLA DI PRESERVE LN. ESTERO, FL 33928 | AFLAC | $106 | $5 | $111 | 0.37% |
| KWD & ASSOC INC3 Filed as: KWD & ASSOC. INC. | 1640 W. OAKLAND PARK BLVD. STE. 202 OAKLAND PARK, FL 33311 | AFLAC | $108 | — | $108 | 0.36% |
| BARRY BAYUK3 | 7193 VENETO DR. BOYNTON BEACH, FL 33437 | AFLAC | $103 | — | $103 | 0.35% |
| JAVIER ORTIZ3 | 165 NE 96TH ST. MIAMI SHORES, FL 33138 | AFLAC | $94 | — | $94 | 0.32% |
| TALLON AND ASSOCIATES INC3 Filed as: TALLON AND ASSOCIATES INC. | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | AFLAC | $94 | — | $94 | 0.32% |
| LANCE E SULLIVAN3 Filed as: LANCE SULLIVAN | 2105 LAVERS CIR. APT. 211 DELRAY BEACH, FL 33444 | AFLAC | $60 | — | $60 | 0.20% |
| DEXTER ANTONIO HARRIS3 Filed as: DEXTER HARRIS | 100 GALLERIA PKY. STE. 900 ATLANTA, GA 30339 | AFLAC | $59 | — | $59 | 0.20% |
| ALFRED RIETKERK3 | 3120 NE 47TH ST. FORT LAUDERDALE, FL 33308 | AFLAC | $28 | $5 | $33 | 0.11% |
| J W GRIMES INC3 Filed as: JW GRIMES INC | 6165 WATERFORD RD. COLUMBUS, GA 31904 | AFLAC | $26 | — | $26 | 0.09% |
| BRIAN MACOMBER3 | 1431 NE 57TH PL. FORT LAUDERDALE, FL 33334 | AFLAC | $24 | — | $24 | 0.08% |
| CHRISTIANO AND CO INC3 | 17830 BRIAN WAY JUPITER, FL 33478 | AFLAC | $21 | — | $21 | 0.07% |
| MICHAEL A ORTIZ3 Filed as: MICHAEL ORTIZ | 3433 VOLTAIRE LN. ST. CHARLES, IL 60175 | AFLAC | $14 | — | $14 | 0.05% |
| HAROLD L STAFFORD3 Filed as: HAROLD STAFFORD | 15655 77TH TRL. N. PALM BEACH GARDENS, FL 33418 | AFLAC | $11 | — | $11 | 0.04% |
| MATTHEW PINER3 | 1444 S. 17TH ST. WILMINGTON, NC 28401 | AFLAC | $10 | — | $10 | 0.03% |
| EMILY E INTOPPA3 Filed as: EMILY INTOPPA | 911 PEA RIDGE RD. JULIETTE, GA 31046 | AFLAC | $7 | — | $7 | 0.02% |
| EMILY B WAYMAN3 Filed as: EMILY WAYMAN | 1199 S. FEDERAL HWY. STE. 155 BOCA RATON, FL 33432 | AFLAC | $5 | — | $5 | 0.02% |
| BILINGUAL BENEFITS CONSULTANTS INC3 Filed as: BILINGUAL BENEFITS CONSULTANTS INC. | 2383 AKERS MILL RD. APT. S15 ATLANTA, GA 30039 | AFLAC | $4 | — | $4 | 0.01% |
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 | 105 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | NEIGHBORHOOD HEALTH PARTNERSHIP | 97 | $771K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 105 | $66K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 105 | $66K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 105 | $66K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 105 | $66K |
| Prescription drug | NEIGHBORHOOD HEALTH PARTNERSHIP | 97 | $651K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 105 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.