| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC | 3200 E CAMELBACK ROAD, SUITE 129 PHOENIX, AZ 85018 | HUMANA INSURANCE COMPANY | $46K | — | $46K | 6.06% |
| 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 | $5K | $3K | $7K | 17.20% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH STREET MINNEAPOLIS, MN 55402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $165 | $2K | 5.43% |
| SHEALY BENEFITS SERVICES INC3 | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $733 | $347 | $1K | 3.13% |
| ESQUEN INSURANCE GROUP CORP3 | 14552 SW 152ND PLACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $712 | $36 | $748 | 2.17% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 6711 COLUMBIA GATEWAY DRIVE COLUMBIA, MD 21046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $721 | — | $721 | 2.09% |
| BENJAMIN DARANG3 | 2901 NW 48TH AVE APT 167 LAUDERDALE LAKES, FL 33313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $486 | $20 | $506 | 1.47% |
| LAWRENCE DAVID FURNISS3 | 12825 SW 112 TERRACE MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $180 | $2 | $182 | 0.53% |
| CRAIG WAYNE SOTTILE3 | 408 CEDAR PINES DRIVE GREENVILLE, SC 29615 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $134 | — | $134 | 0.39% |
| JUDITH I VIDAL3 Filed as: JUDITH VIDAL | 7280 STIRLING ROAD HOLLYWOOD, FL 33024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $127 | — | $127 | 0.37% |
| RONNIE BORAKS INSURANCE SOLUTIONS I3 Filed as: RONNIE BORAKS INSURANCE SOLUTIONS | 10695 SAN BERNARDINO WAY BOCA RATON, FL 33428 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $92 | $9 | $101 | 0.29% |
| GINA MARIE MARTINEZ3 | 2401 NE 65TH STREET FT LAUDERDALE, FL 33308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | — | $75 | 0.22% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | $27 | $62 | 0.18% |
| LOURDES PRICE3 Filed as: LOURDES YOLANDA PRICE | 16002 SW 73RD STREET MIAMI, FL 33193 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | — | $61 | 0.18% |
| ERIN WIGGINS3 | 2036 TELFAIR WAY CHARLESTON, SC 29412 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | $14 | $60 | 0.17% |
| LAURA MCCLUNG PLYLER3 | 547 BIMINI TWIST CIR LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | $1 | $47 | 0.14% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | 201 CAUGHMAN FARM LANE LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | $3 | $46 | 0.13% |
| MARIA ANTONELLA CASTILLO3 | 11320 SW 46TH ST MIAMI, FL 33165 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $32 | $41 | 0.12% |
| DORIS JUDITH BEJARANO3 | 2114 N FLAMINGO ROAD PEMBROKE PINES, FL 33028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.09% |
| SULFINANZA INSURANCE AND FIN SERV3 | 3351 NW 85TH AVENUE CORAL SPRINGS, FL 33065 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.05% |
| FRANCES PUELS-RICCARDI3 | 7822 NW 62ND TERRACE PARKLAND, FL 33067 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.04% |
| SHARON R NOWELL3 | 4111 NW 9TH ST COCONUT CREEK, FL 33066 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $2 | $9 | 0.03% |
| AVERY INSURANCE INC3 | ATTN PAMELA AVE POMPANO BEACH, FL 33069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| MARTA KARINA ORIAS SR3 | BONAVENTURE BOULEVARD WESTON, FL 33326 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| MCCAREY INC3 | 965 MESA DRIVE CAMARILLO, CA 93010 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $1 | $5 | 0.01% |
| VGM BENEFIT ENROLLMENTS LLC3 Filed as: VGM BENEFIT ENROLLMENTS | 30310 HORSETHIEF DRIVE TEHACHAPI, CA 93561 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| NICOLE ESQUEN3 | 12855 SW 136TH AVENUE MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| CREATIVE BENEFIT CONSULTANTS INC3 | 18214 102ND WAY SOUTH BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.01% |
| BERNARD PHILLIP3 | 2044 NW 52ND STREET BOCA RATON, FL 33496 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| KATTY W COHEN3 | 21711 TOWN PLACE DRIVE BOCA RATON, FL 33433 | AFLAC | $1K | — | $1K | 4.44% |
| SHARON BASSOFF INC3 | 11550 SW 9TH COURT PEMBROKE PINES, FL 33025 | AFLAC | $801 | — | $801 | 2.84% |
| STEVEN B HULNICK3 | 7878 EMERALD WINDS CIRCLE BOYNTON BEACH, FL 33473 | AFLAC | $348 | — | $348 | 1.24% |
| KENDALL C HUDSON3 | 801 NORTHPOINT PARKWAY, SUITE 35 WEST PALM BEACH, FL 33407 | AFLAC | $140 | — | $140 | 0.50% |
| RUSSELL SHAYNE FOX3 | 9205 COVE POINT CIRCLE BOYNTON BEACH, FL 33472 | AFLAC | $132 | — | $132 | 0.47% |
| G SCOTT COOKE3 | 2832 NE 17TH AVENUE WILTON MANORS, FL 33334 | AFLAC | $120 | — | $120 | 0.43% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE ROAD THOMSON, GA 30824 | AFLAC | $116 | — | $116 | 0.41% |
| BARRY BAYUK3 Filed as: BARRY M BAYUK | 7193 VENETO DRIVE BOYNTON BEACH, FL 33437 | AFLAC | $110 | — | $110 | 0.39% |
| KWD & ASSOCIATES INC3 | 1640 W OAKLAND PARK BLVD SUITE 202 OAKLAND PARK, FL 33311 | AFLAC | $81 | — | $81 | 0.29% |
| BRENDA LYNN GARRETT3 | 5400 GLENWOOD AVENUE SUITE G03 RALEIGH, NC 27612 | AFLAC | $70 | — | $70 | 0.25% |
| TALLON AND ASSOCIATES INC3 | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | AFLAC | $66 | — | $66 | 0.23% |
| LANCE E SULLIVAN3 | 3619 SANWOOD STREET LAS VEGAS, NV 89147 | AFLAC | $64 | — | $64 | 0.23% |
| DEXTER ANTONIO HARRIS3 | 100 GALLERIA PARKWAY SE SUITE 900 ATLANTA, GA 30339 | AFLAC | $52 | — | $52 | 0.18% |
| JOSHUA BUZZARD3 | 7458 TRESCOTT DRIVE LAKE WORTH, FL 33467 | AFLAC | $49 | — | $49 | 0.17% |
| JAVIER ORTIZ3 | 165 NE 96TH STREET MIAMI SHORES, FL 33138 | AFLAC | $40 | — | $40 | 0.14% |
| J W GRIMES INC3 Filed as: JW GRIMES INC | 6165 WATERFORD ROAD COLUMBUS, GA 31904 | AFLAC | $28 | — | $28 | 0.10% |
| ALFRED RIETKERK3 Filed as: ALFRED RIETKEERK | 3120 NE 47TH STREET FT LAUDERDALE, FL 33308 | AFLAC | $20 | — | $20 | 0.07% |
| CHRISTIANO AND CO INC3 | 17830 BRIAN WAY JUPITER, FL 33478 | AFLAC | $19 | — | $19 | 0.07% |
| MICHAEL A ORTIZ3 | 3219 RENARD LANE SAINT CHARLES, IL 60175 | AFLAC | $15 | — | $15 | 0.05% |
| BRENDA LYNN GARRETT3 Filed as: BRENDA LYN GARRETT | 5400 GLENWOOD AVENUE SUITE G03 RALEIGH, NC 27612 | AFLAC | $14 | — | $14 | 0.05% |
| SUSAN P WATLEY3 | 6366 INDEPENDENCE DRIVE COLUMBUS, GA 31909 | AFLAC | $12 | — | $12 | 0.04% |
| HAROLD L STAFFORD3 | 10722 NW 20TH DRIVE CORAL SPRINGS, FL 33071 | AFLAC | $12 | — | $12 | 0.04% |
| JAMES W BENCIN3 | 11 SHELDRAKE LANE WEST PALM BEACH, FL 33418 | AFLAC | $12 | — | $12 | 0.04% |
| MATTHEW G BERGER3 Filed as: MATTHEW W PINER | 100 S SMITHFIELD ROAD KNIGHTDALE, NC 27545 | AFLAC | $11 | — | $11 | 0.04% |
| FRANK ROBERT SOBOCINSKI3 Filed as: FRANK ROBER SOBOCINSKI | 528 SWEET BAY CIRCLE JUPITER, FL 33458 | AFLAC | $7 | — | $7 | 0.02% |
| EMILY E INTOPPA3 | P.O. BOX 66 BOLINGBROKE, GA 31004 | AFLAC | $7 | — | $7 | 0.02% |
| EMILY B WAYMAN3 | 1199 SOUTH FEDERAL HIGHWAY SUITE 155 BOCA RATON, FL 33432 | AFLAC | $6 | — | $6 | 0.02% |
| SUWAT ASSAWAMATIYANONT3 | 8171 HAMPTON WOOD DRIVE BOCA RATON, FL 33433 | AFLAC | $5 | — | $5 | 0.02% |
| ANDREW J CHRISTIANO3 | 17830 BRIAN WAY JUPITER, FL 33478 | AFLAC | $4 | — | $4 | 0.01% |
| BILINGUAL BENEFITS CONSULTANTS INC3 | 1025 PINEHURST DRIVE ATLANTA, GA 30339 | AFLAC | $4 | — | $4 | 0.01% |
| THOMAS R BAILEY3 | 142 MAPLE COURT NW CHARLESTON, TN 37310 | AFLAC | $3 | — | $3 | 0.01% |
| JUAN C FERLINI3 | 13826 CHRISTIAN BARRETT DRIVE MOORPARK, CA 93021 | AFLAC | $3 | — | $3 | 0.01% |
| DEBORAH L JONGES3 | P O BOX 31994 PALM BEACH GARDENS, FL 33420 | AFLAC | $2 | — | $2 | 0.01% |
| DAVID S MORRIS3 | 950 PENINSULA CORPORATE CIRCLE SUITE 1005 BOCA RATON, FL 33487 | AFLAC | $2 | — | $2 | 0.01% |
| MARK C LEE3 | 11500 COUNTY LINE ROAD MIDLAND, GA 31820 | AFLAC | $1 | — | $1 | 0.00% |
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 | 103 | 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) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 200 | $766K |
| Dental | HUMANA INSURANCE COMPANY | 200 | $766K |
| Vision | HUMANA INSURANCE COMPANY | 200 | $766K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 103 | $42K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 103 | $42K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 103 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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.