| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: S. FL - WORLD INSURANCE ASSOCIATES | 100 WOOD AVE S ISELIN, NJ 088302727 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $429 | $429 | 0.01% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE ASSOCIATES LLC | 1100 NE 163RD ST FL 2 NORTH MIAMI BEACH, FL 331624525 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $1 | $1 | 0.00% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. | $0 | $27K | $27K | 9.74% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES, LLC | 1700 WEST MT. PLEASANT ST WEST BURLINGTON, IA 52655 | TRANSAMERICA INSURANCE CO. | $25K | — | $25K | 9.17% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO. | $0 | $15K | $15K | 5.58% |
| RIEMER INSURANCE GROUP3 Filed as: RIEMER INSURANCE GROUP, INC. | 217 EAST HALLANDALE BEACH BLVD. HALLANDALE BEACH, FL 33009 | TRANSAMERICA INSURANCE CO. | $11K | — | $11K | 3.94% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS & ASSOC INC | 811 MADISON AVENUE TOLEDO, OH 43604 | TRANSAMERICA INSURANCE CO. | $8K | — | $8K | 2.86% |
| EXCELSIOR BENEFITS LLC3 | 441 2ND STREET EXCELSIOR, MN 55331 | TRANSAMERICA INSURANCE CO. | $5K | — | $5K | 1.86% |
| WORLD INS ASSOC LLC3 | 100 WOOD AVE SOUTH 4TH FL ISELIN, NC 088300001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | $3K | $25K | 12.72% |
| RIEMER INSURANCE GROUP3 | PO BOX 250 HALLANDALE, FL 330080250 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 3.89% |
| WORLD INS ASSOC LLC3 | 100 WOOD AVE SOUTH 4TH FL ISELIN, NJ 088300001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $885 | $10K | 8.34% |
| RIEMER INSURANCE GROUP3 | PO BOX 250 HALLANDALE, FL 330080250 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 2.41% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVE SOUTH ISELIN, NJ 08830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $164 | $8K | 8.30% |
| SINGLE POINT ENROLLMENT SOLUTIONS3 Filed as: SINGLE POINT ENROLLMENT SOLUTIONS I | 12002 SW 128TH CT STE 201 MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | 6.28% |
| BRITO BENEFITS SOLUTIONS INC3 | 14716 SW 112TH TER MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $612 | $3K | 2.80% |
| ANDREA BROWNING3 | 145 19TH AVE SE ST PETERSBURG, FL 33705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $366 | $2K | 1.76% |
| RIEMERINSURANCE GROUP INC3 | PO BOX 250 HALLANDALE, FL 33009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $974 | — | $974 | 1.00% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS & ASSOC INC | 1100 NE 163RD STREET N MIAMI BEACH, FL 33162 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $907 | — | $907 | 0.93% |
| MICHAEL ALAN SCHOOLEY3 | 11107 SW 138TH PL MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $494 | $56 | $550 | 0.56% |
| ELIZABETH SANGUILY3 | 8421 SW 124TH AVE APT 103 MIAMI, FL 33183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | — | $77 | 0.08% |
| ERLANDE MICHEL3 | 3141 LA FRANCE AVE SW PALM BAY, FL 32908 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | — | $75 | 0.08% |
| FORTUN INSURANCE INC3 | 365 PALERMO AVE CORAL GABLES, FL 33134 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74 | — | $74 | 0.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ADAM IRA BROWN | 700 NE 7TH AVE APT 6 FORT LAUDERDALE, FL 33304 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | — | $68 | 0.07% |
| LIZBETH RAMON3 | 16128 APPENNINE DR BROOKSVILLE, FL 34601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | — | $66 | 0.07% |
| WORLD PRIME SOLUTIONS3 | 7000 NOVA DR APT 203 DAVIE, FL 33317 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | $8 | $42 | 0.04% |
| MICHEL GUTIERREZ3 | 4703 W MCELROY AVENUE APT 19 TAMPA, FL 33611 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.02% |
| GUY SANMIGUEL3 | 4965 SW 134TH AVE MIRAMAR, FL 33027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.02% |
| EM PROPERTY & CASUALTY LLC3 | 13500 SW 88TH ST STE 287 MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.01% |
| LUC JOSEPH3 | 548 NW 51ST ST MIAMI, FL 33127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| AMY E COHEN3 | 19967 VILLA LANTE PL BOCA RATON, FL 33434 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| FLORIDA GROUP BENEFITS INC3 | 8421 SW 124TH AVE APT 103 MIAMI, FL 33183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| WORLD INS ASSOC LLC3 | 100 WOOD AVE SOUTH 4TH FL ISELIN, NJ 088300001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $1K | $8K | 13.06% |
| RIEMER INSURANCE GROUP3 | PO BOX 250 HALLANDALE, FL 330080250 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.68% |
| WORLD INS ASSOC LLC3 | 100 WOOD AVE SOUTH 4TH FL ISELIN, NJ 088300001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $625 | $5K | 12.89% |
| RIEMER INSURANCE GROUP3 | PO BOX 250 HALLANDALE, FL 330080250 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 3.67% |
| WORLD INS ASSOC LLC3 | 100 WOOD AVE SOUTH 4TH FL ISELIN, NJ 088300001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $233 | $2K | 8.27% |
| RIEMER INSURANCE GROUP3 | PO BOX 250 HALLANDALE, FL 330080250 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $731 | — | $731 | 2.54% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVE SOUTH ISELIN, NJ 08830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $518 | $8 | $526 | 7.04% |
| SINGLE POINT ENROLLMENT SOLUTIONS3 Filed as: SINGLE POINT ENROLLMENT SOLUTIONS I | 12002 SW 128TH CT STE 201 MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $234 | $81 | $315 | 4.22% |
| BRITO BENEFITS SOLUTIONS INC3 | 14716 SW 112TH TER MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $142 | $44 | $186 | 2.49% |
| RIEMERINSURANCE GROUP INC3 | PO BOX 250 HALLANDALE, FL 33009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $125 | — | $125 | 1.67% |
| ANDREA BROWNING3 | 145 19TH AVE SE ST PETERSBURG, FL 33705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $93 | $19 | $112 | 1.50% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS & ASSOC INC | 1100 NE 163RD STREET N MIAMI BEACH, FL 33162 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | — | $56 | 0.75% |
| MICHAEL ALAN SCHOOLEY3 | 11107 SW 138TH PL MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.20% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ADAM IRA BROWN | 700 NE 7TH AVE APT 6 FORT LAUDERDALE, FL 33304 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.13% |
| MICHEL GUTIERREZ3 | 4703 W MCELROY AVENUE APT 19 TAMPA, FL 33611 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.09% |
| ELIZABETH SANGUILY3 | 8421 SW 124TH AVE APT 103 MIAMI, FL 33183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.05% |
| MARIA VERONICA JARQUE3 | 4744 N PAULINA ST APT 1E CHICAGO, IL 60640 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.05% |
| FLORIDA GROUP BENEFITS INC3 | 8421 SW 124TH AVE APT 103 MIAMI, FL 33183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| WORLD INS ASSOC LLC3 | 100 WOOD AVE SOUTH 4TH FL ISELIN, NJ 088300001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $602 | $94 | $696 | 12.86% |
| RIEMER INSURANCE GROUP3 | PO BOX 250 HALLANDALE, FL 330080250 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $210 | — | $210 | 3.88% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVE SOUTH ISELIN, NJ 08830 | THE PAUL REVERE LIFE INSURANCE COMPANY | $83 | — | $83 | 11.61% |
| MICHAEL ALAN SCHOOLEY3 | 11107 SW 138TH PL MIAMI, FL 33186 | THE PAUL REVERE LIFE INSURANCE COMPANY | $57 | $15 | $72 | 10.07% |
| SINGLE POINT ENROLLMENT SOLUTIONS3 Filed as: SINGLE POINT ENROLLMENT SOLUTIONS I | 12002 SW 128TH CT STE 201 MIAMI, FL 33186 | THE PAUL REVERE LIFE INSURANCE COMPANY | $36 | $16 | $52 | 7.27% |
| BRITO BENEFITS SOLUTIONS INC3 | 14716 SW 112TH TER MIAMI, FL 33196 | THE PAUL REVERE LIFE INSURANCE COMPANY | $10 | $20 | $30 | 4.20% |
| RIEMERINSURANCE GROUP INC3 | PO BOX 250 HALLANDALE, FL 33009 | THE PAUL REVERE LIFE INSURANCE COMPANY | $27 | — | $27 | 3.78% |
| ANDREA BROWNING3 | 145 19TH AVE SE ST PETERSBURG, FL 33705 | THE PAUL REVERE LIFE INSURANCE COMPANY | $18 | — | $18 | 2.52% |
| CLARICE R MIMS3 | 133 HILLCREST DRIVE MARLBORO, NY 12542 | THE PAUL REVERE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.84% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS & ASSOC INC | 1100 NE 163RD ST NORTH MIAMI BEACH, FL 33162 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.42% |
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 | 384 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 404 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 660 | $4.2M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 115 | $118K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 371 | $5K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 155 | $59K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 370 | $200K |
| Other(7 contracts, 4 carriers) | TRANSAMERICA INSURANCE CO. | 371 | $453K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 660 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.