| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MIER INSURANCE GROUP INC3 | 13615 S DIXIE HWY #552 MIAMI, FL 33176 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $50K | $50K | 5.36% |
| MIER INSURANCE GROUP INC3 | 68 SE 6TH ST APT 1709 MIAMI, FL 33131 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $25 | $20K | 13.30% |
| JANET IBANEZ3 | 10205 SW 130 LANE MIAMI, FL 33176 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $5K | 12.39% |
| MIRIAM CABRERA MIER3 | 68 SE 6 STREET MIAMI, FL 33131 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 9.01% |
| MARTHA CASTILLO3 | 10801 SW 123RD ST MIAMI, FL 33176 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $807 | $558 | $1K | 3.50% |
| CHRISTINA BIEBER3 | 12827 WOODMILL DRIVE PALM BEACH GARDENS, FL 33418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $905 | $57 | $962 | 2.47% |
| MIS BENEFITS CONSULTANTS INC3 | 2663 RIO DE JANEIRO AVE COOPER CITY, FL 33026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $574 | $180 | $754 | 1.93% |
| WENDOLYN ISOLA3 | 9271 CARIBBEAN BLVD CUTLER BAY, FL 33157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $388 | $131 | $519 | 1.33% |
| MARIA D KADALA3 | 1830 N UNIVERSITY DR PLANTATION, FL 33322 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $266 | $15 | $281 | 0.72% |
| ANA GLADYS HIDALGO3 | 841 SW 72 AVE MIAMI, FL 33144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $211 | — | $211 | 0.54% |
| DORIS JUDITH BEJARANO3 | 2114 N FLAMINGO RD PEMBROKE PINES, FL 33028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $163 | $1 | $164 | 0.42% |
| IRENE SHULGIN3 | 10400 BUENOS AIRES ST COOPER CITY, FL 33026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $86 | $51 | $137 | 0.35% |
| GLADYS GONZALEZ3 | 1690 MISTY LAKE DR FLEMING ISLAND, FL 32003 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $94 | — | $94 | 0.24% |
| GEOVANNY ENCARNACION3 | 8051 SOUTHGATE BLVD N LAUDARDALE, FL 33068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | — | $50 | 0.13% |
| LOURDES JOSSELIN IZAGUIRRE3 | 9740 BAHAMA DRIVE CUTLER BAY, FL 33189 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.08% |
| RUBENIA MARIA ULLOA3 | 9435 SW 6TH LANE MIAMI, FL 33174 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.04% |
| ESQUEN INSURANCE GROUP CORP3 | 14552 SW 152ND PLACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $1 | $9 | 0.02% |
| LUC JOSEPH3 | 548 NW 51 ST MIAMI, FL 33127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $1 | $8 | 0.02% |
| JUDITH I VIDAL3 | 7280 STIRLING RD HOLLYWOOD, FL 33024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.02% |
| AC INSURANCE SERVICES LLC3 | 2077 NW 111TH TER CORAL SPRINGS, FL 33071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $1 | $5 | 0.01% |
| CREATIVE BENEFIT CONSULTANTS INC3 | 18214 102ND WAY S BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $2 | $4 | 0.01% |
| WILLIAM GARDNER EICHHORN3 | 23645 CORAL RIDGE LN LAND O LAKES, FL 34639 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| KYLE RUSSEY3 | 6921 E WEDGEWOOD AVE DAVIE, FL 33331 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JANET IBANEZ3 | 10205 SW 130 LANE MIAMI, FL 33176 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $5K | 16.57% |
| MARTHA CASTILLO3 | 10801 SW 123RD ST MIAMI, FL 33176 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $931 | $2K | 8.37% |
| MIRIAM CABRERA MIER3 | 68 SE 6 STREET MIAMI, FL 33131 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 7.62% |
| CHRISTINA BIEBER3 | 12827 WOODMILL DRIVE PALM BEACH, FL 33418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $81 | $1K | 4.02% |
| WENDOLIN ISOLA3 | 9271 CARIBBEAN BLVD CUTLER BAY, FL 33157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $445 | $151 | $596 | 2.19% |
| MIS BENEFITS CONSULTANTS INC3 Filed as: MIS BENEFIT CONSULTANTS INC | 2663 RIO DE JANEIRO AVE COOPER CITY, FL 33026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $125 | $34 | $159 | 0.58% |
| MARIA D KADALA3 | 1830 N UNIVERSITY DR PLANTATION, FL 33322 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $144 | $8 | $152 | 0.56% |
| IRENE SHULGIN3 | 10400 BUENOS AIRES ST COOPER CITY, FL 33026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $78 | $46 | $124 | 0.46% |
| ANA GLADYS HIDALGO3 | 841 SW 72 AVE MIAMI, FL 33144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $78 | — | $78 | 0.29% |
| DORIS JUDITH BEJARANO3 | 2114 N FLAMINGO RD PEMBROKE PINES, FL 33028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.08% |
| RUBENIA MARIA ULLOA3 | 9435 SW 6TH LANE MIAMI, FL 33174 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.03% |
| CREATIVE BENEFIT CONSULTANTS INC3 Filed as: CREATIVE BENEFITS CONSULTANTS INC | 18214 102ND WAY S BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $3 | $6 | 0.02% |
| MIER INSURANCE GROUP INC3 | 68 SE 6TH ST APT 1709 MIAMI, FL 33131 | SAFEGUARD HEALTH PLAN, INC., A FLORIDA CORPORATION | $928 | — | $928 | 14.82% |
| MIER INSURANCE GROUP INC3 | 68 SE 6TH ST APT 1709 MIAMI, FL 33131 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $225 | $0 | $225 | 15.00% |
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 | 255 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 121 | $928K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 255 | $157K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 255 | $151K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 255 | $151K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 255 | $151K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 255 | $151K |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 255 | $219K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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.