| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | HUMANA MEDICAL PLAN, INC. | $41K | — | $41K | 5.50% |
| 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 | $5K | — | $5K | 11.76% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST. STE. 700 MINNEAPOLIS, MN 55402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $364 | $3K | 9.44% |
| SHEALY BENEFITS SERVICES INC3 | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $711 | $191 | $902 | 2.84% |
| ESQUEN INSURANCE GROUP CORP3 | 14552 SW 152ND PL. MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $513 | $98 | $611 | 1.92% |
| BENJAMIN DARANG3 | 2901 NW 48 AVE. APT. 167 LAUDERDALE LAKES, FL 33313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $503 | $7 | $510 | 1.61% |
| CRAIG WAYNE SOTTILE3 Filed as: CRAIG SOTTILE | 408 CEDAR PINES DR. GREENVILLE, SC 29615 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $400 | $91 | $491 | 1.55% |
| WILLAM ROCKER3 | 16920 SW 78TH PL. PALMETTO BAY, FL 33157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $372 | $14 | $386 | 1.22% |
| GINA MARIE MARTINEZ3 Filed as: GINA MARTINEZ | 2401 NE 65TH ST. FT. LAUDERDALE, FL 33308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $158 | $34 | $192 | 0.60% |
| IVAN GONIMA3 | 1406 SELBYDON WAY WINTER GARDEN, FL 34787 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $149 | $5 | $154 | 0.48% |
| KYLE RUSSEY3 | 6921 E. WEDGEWOOD AVE. DAVIE, FL 33331 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | $47 | $108 | 0.34% |
| LOURDES PRICE3 | 16002 SW 73RD ST. MIAMI, FL 33193 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $95 | — | $95 | 0.30% |
| FRANCES PUELS-RICCARDI3 | 7822 NW 62ND TERR PARKLAND, FL 33067 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74 | $3 | $77 | 0.24% |
| THE CLARK GROUP OF SC3 | 589 WINDMERE DR. LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | $35 | $69 | 0.22% |
| GRAEM M CLARK3 Filed as: GRAEM CLARK | 589 WINDMERE DR. LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $52 | $66 | 0.21% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEM INC. | 245 SEVEN FARMS DR. DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | $21 | $56 | 0.18% |
| FELIPE CARLOS BARREDA3 Filed as: FELIPE BARREDA | 1205 MARIPOSA AVE. APT. 227 CORAL GABLES, FL 33146 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | — | $51 | 0.16% |
| LAWRENCE DAVID FURNISS3 Filed as: LAWRENCE FURNISS | 12825 SW 112 TERR. MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | $23 | $51 | 0.16% |
| JUDITH I VIDAL3 Filed as: JUDITH VIDAL | 7280 STIRLING RD. HOLLYWOOD, FL 33024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.03% |
| KALINA QUINTANA3 | 8261 NW 8TH ST. MIAMI, FL 33126 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.03% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST. STE. 700 MINNEAPOLIS, MN 55402 | HUMANA INSURANCE COMPANY | $4K | — | $4K | 11.13% |
| KATTY W COHEN3 Filed as: KATTY COHEN | 21711 TOWN PLACE DR. BOCA RATON, FL 33433 | AFLAC | $1K | $38 | $1K | 5.25% |
| SHARON BASSOFF INC3 Filed as: SHARON BASOFF INC. | 11550 SW 9TH CT. PEMBROKE PINES, FL 33025 | AFLAC | $766 | $38 | $804 | 2.99% |
| STEVEN B HULNICK3 Filed as: STEVEN HULNICK | 7878 EMERALD WINDS CIR. BOYNTON BEACH, FL 33473 | AFLAC | $335 | — | $335 | 1.25% |
| JAVIER ORTIZ3 | 165 NE 96TH ST. MIAMI SHORES, FL 33138 | AFLAC | $158 | $15 | $173 | 0.64% |
| KENDALL C HUDSON3 Filed as: KENDALL HUDSON | 801 NORTHPOINT PKY. STE. 35 WEST PALM BEACH, FL 33407 | AFLAC | $118 | — | $118 | 0.44% |
| G SCOTT COOKE3 Filed as: G. SCOTT COOKE | 2832 NE 17TH AVE. WILTON MANORS, FL 33334 | AFLAC | $103 | — | $103 | 0.38% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE RD. THOMSON, GA 30824 | AFLAC | $100 | — | $100 | 0.37% |
| BARRY BAYUK3 | 7193 VENETO DR. BOYNTON BEACH, FL 33437 | AFLAC | $95 | — | $95 | 0.35% |
| KWD & ASSOC INC3 Filed as: KWD & ASSOC. INC. | 1640 W. OAKLAND PARK BLVD. STE. 202 OAKLAND PARK, FL 33311 | AFLAC | $93 | — | $93 | 0.35% |
| BRENDA GARRETT3 | 13489 VILLA DI PRESERVE LN. ESTERO, FL 33928 | AFLAC | $91 | — | $91 | 0.34% |
| JOSHUA BUZZARD3 | 7458 TRESCOTT DR. LAKE WORTH, FL 33467 | AFLAC | $70 | $15 | $85 | 0.32% |
| TALLON AND ASSOCIATES INC3 Filed as: TALLON AND ASSOCIATES INC. | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | AFLAC | $85 | — | $85 | 0.32% |
| LANCE E SULLIVAN3 Filed as: LANCE SULLIVAN | 2105 LAVERS CIR. APT. 211 DELRAY BEACH, FL 33444 | AFLAC | $55 | — | $55 | 0.20% |
| DEXTER ANTONIO HARRIS3 Filed as: DEXTER HARRIS | 100 GALLERIA PKY. STE. 900 ATLANTA, GA 30339 | AFLAC | $54 | — | $54 | 0.20% |
| J W GRIMES INC3 Filed as: JW GRIMES INC | 6165 WATERFORD RD. COLUMBUS, GA 31904 | AFLAC | $24 | — | $24 | 0.09% |
| ALFRED RIETKERK3 | 3120 NE 47TH ST. FORT LAUDERDALE, FL 33308 | AFLAC | $23 | — | $23 | 0.09% |
| CHRISTIANO AND CO INC3 | 17830 BRIAN WAY JUPITER, FL 33478 | AFLAC | $20 | — | $20 | 0.07% |
| MICHAEL A ORTIZ3 Filed as: MICHAEL ORTIZ | 3219 RENARD LN. ST. CHARLES, IL 60175 | AFLAC | $12 | — | $12 | 0.04% |
| HAROLD L STAFFORD3 Filed as: HAROLD STAFFORD | 15655 77TH TRL. N. PALM BEACH GARDENS, FL 33418 | AFLAC | $10 | — | $10 | 0.04% |
| SUSAN P WATLEY3 Filed as: SUSAN WATLEY | 6366 INDEPENDENCE DR. COLUMBUS, GA 31909 | AFLAC | $10 | — | $10 | 0.04% |
| MATTHEW PINER3 | 100 S. SMITHFIELD RD. KNIGHTDALE, NC 27545 | AFLAC | $9 | — | $9 | 0.03% |
| EMILY E INTOPPA3 Filed as: EMILY INTOPPA | 911 PEA RIDGE RD. JULIETTE, GA 31046 | AFLAC | $6 | — | $6 | 0.02% |
| JAMES W BENCIN3 Filed as: JAMES BENCIN | 11 SHELDRAKE LN. WEST PALM BEACH, FL 33418 | AFLAC | $6 | — | $6 | 0.02% |
| EMILY B WAYMAN3 Filed as: EMILY WAYMAN | 1199 S. FEDERAL HWY. STE. 155 BOCA RATON, FL 33432 | AFLAC | $5 | — | $5 | 0.02% |
| FRANK ROBERT SOBOCINSKI3 Filed as: FRANK SOBOCINSKI | 528 SWEET BAY CIR. JUPITER, FL 33458 | 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% |
| SUWAT ASSAWAMATIYANONT3 | 1800 NE 48TH CT. FORT LAUDERDALE, FL 33308 | AFLAC | $4 | — | $4 | 0.01% |
| JUAN C FERLINI3 Filed as: JUAN FERLINI | 13826 CHRISTIAN BARRETT DR. MOORPARK, CA 93021 | AFLAC | $3 | — | $3 | 0.01% |
| THOMAS R BAILEY3 Filed as: THOMAS BAILEY | 142 MAPLE CT. NW CHARLESTON, TN 37310 | AFLAC | $3 | — | $3 | 0.01% |
| DAVID MORRIS3 | 950 PENINSULA CORPORATE DR. STE. 1005 BOCA RATON, FL 33487 | AFLAC | $1 | — | $1 | 0.00% |
| DEBORAH L JONGES3 Filed as: DEBORAH JONGES | PO BOX 31994 PALM BEACH GARDENS, FL 33420 | AFLAC | $1 | — | $1 | 0.00% |
| MARK C LEE3 Filed as: MARK LEE | 1444 S. 17TH ST. WILMINGTON, NE 28401 | AFLAC | $1 | — | $1 | 0.00% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST. STE. 700 MINNEAPOLIS, MN 55402 | COMPBENEFITS INSURANCE COMPANY | $1K | — | $1K | 10.00% |
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 | 100 | 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) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA MEDICAL PLAN, INC. | 76 | $767K |
| Dental(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 100 | $84K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 100 | $73K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 100 | $41K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 100 | $41K |
| Prescription drug | HUMANA MEDICAL PLAN, INC. | 76 | $740K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 100 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 100 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.