| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $410K | $12K | $421K | 34.08% |
| ACRISURE LLC3 | 9500 SOUTH DADELAND BOULEVARD SUITE 400 MIAMI, FL 33156 | METROPOLITAN LIFE INSURANCE COMPANY | $49K | — | $49K | 13.12% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $338 | $17K | 4.64% |
| ACRISURE LLC3 Filed as: ACRISURE LLC D/B/A GARCEAU INSURANC | PO BOX 1788 GRAND RAPIDS, MI 49501 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | 1.64% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 1.31% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19K | $2K | $22K | 14.36% |
| DAVID CHRISTOPHER NUNES3 | 11332 SOUTHWEST 133 PLACE MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $3K | $12K | 7.83% |
| ANDREA BROWNING3 | 145 19TH AVENUE SOUTHEAST ST PETERSBURG, FL 33705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | 4.21% |
| DEACON CHARLES KAVANAUGH3 | 6336 HILL CREEK DRIVE THE COLONY, TX 75056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $1K | $6K | 3.72% |
| B & B INSURANCE SOLUTIONS INC3 | 12002 SOUTHWEST 128TH COURT MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 3.39% |
| WORLD PRIME SOLUTIONS3 | 7000 NOVA DRIVE DAVIE, FL 33317 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $441 | $2K | 1.65% |
| THE GRANT AGENCY INC3 | PO BOX 41544 JACKSONVILLE, FL 32203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $19 | $2K | 1.15% |
| MPART BENEFITS INC3 | 100 ALBRIGHT LANE PROSPER, TX 75078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $826 | $866 | $2K | 1.12% |
| BILLY MARK ROBERSON3 | 17415 SHADY CANYON SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $71 | $2K | 1.01% |
| ALDEN D MCGEE3 | 3657 RICHMOND STREET JACKSONVILLE, FL 32205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $426 | $1K | 0.96% |
| BRITO BENEFITS SOLUTIONS INC3 | 14716 SOUTHWEST 112 TERRACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $309 | $1K | 0.90% |
| WILLIAM LEROY VINCENT3 | 2501 CHAMBRAY LANE MANSFIELD, TX 76063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $809 | $262 | $1K | 0.71% |
| SAMUEL MALAVE3 | 304 DUNDEE ROAD DUNDEE, FL 33838 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $501 | — | $501 | 0.33% |
| STEVEN WOOD3 | 25635 WEIGELA SAN ANTONIO, TX 78261 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $233 | $215 | $448 | 0.30% |
| MACDOUGALL BENEFITS LLC3 | 1794 ARBOR DRIVE FERNANDINA BEACH, FL 32034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $228 | $202 | $430 | 0.28% |
| MICHEL GUTIERREZ3 | 29244 SOUTHWEST 142ND PLACE HOMESTEAD, FL 33033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $360 | $11 | $371 | 0.25% |
| JOAQUIN MIRANDA3 | 2727 SOUTHWEST 1ST AVENUE CAPE CORAL, FL 33914 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $150 | $167 | $317 | 0.21% |
| JOEY MIGUES3 Filed as: JOEY GRUBBS BENEFITS LLC | 525 TAYLOR ROAD MONTICELLO, FL 32344 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $90 | $138 | $228 | 0.15% |
| THOMAS SNYDER3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | $130 | $197 | 0.13% |
| CLARICE R MIMS3 | 172-90 HIGHLAND AVENUE JAMAICA ESTATES, NY 11432 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $138 | $20 | $158 | 0.10% |
| AIDA JOHANNY LACEN3 | 3829 SOUTHWEST 15TH PLACE CAPE CORAL, FL 33914 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $135 | $3 | $138 | 0.09% |
| CTL SERVICES INC3 | 1140 CLIMBING ROSE DRIVE ORLANDO, FL 32818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | $47 | $129 | 0.09% |
| HEATHER WOMBLE LLC3 | 2409 PIRATE COURT JACKSONVILLE, FL 32224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | $87 | $120 | 0.08% |
| TIFFANY ANITA MIRANDA3 | 2727 SOUTHWEST 1ST AVENUE CAPE CORAL, FL 33914 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | $65 | $97 | 0.06% |
| CK INSURANCE SOLUTIONS LLC3 | 2756 KING COLE DRIVE JACKSONVILLE, FL 32209 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | — | $65 | 0.04% |
| ALYSON MARIE MCMAHON3 | 2127 GRASSY BASIN COURT JACKSONVILLE, FL 32224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | $29 | $62 | 0.04% |
| AZUCENA CARMEN UCTUM3 | 422 TRADITION LANE WINTER SPRINGS, FL 32708 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | — | $57 | 0.04% |
| LIZBETH RAMON3 | 15242 SOUTHWEST 161ST MIAMI, FL 33187 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | $1 | $38 | 0.03% |
| JERRY LYNN MCMILLIAN SR3 | 5514 BARRINGTON COURT JACKSON, FL 32244 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | $4 | $34 | 0.02% |
| KELLY JACKS3 | 19601 LEWIS ROAD WANETTE, OK 74878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $1 | $28 | 0.02% |
| TAMARA ANN BUSCHER3 Filed as: TAMARA GAIL COPELAND | PO BOX 243 LAND O LAKES, FL 34639 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.02% |
| MCO PARTNERS LLC3 | 315 WEST 39TH STREET SUITE 303 NEW YORK, NY 10018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $7 | $15 | 0.01% |
| LARRY D DENNY3 | PO BOX 306 WETUMKA, OK 74883 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $1 | $7 | 0.00% |
| CHOICE BENEFITS SOLUTIONS LLC3 | 6441 3RD PALM POINTE STREET ST PETERSBURG BEACH, FL 33706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $3 | $5 | 0.00% |
| CHRISTOPHER JOHNSON3 | 3605 SANDY PLAINS ROAD MARIETTA, GA 30066 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| MATTHEW HAND3 | 10113 KINGSHYRE WAY TAMPA, FL 33647 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| GLYNDA C FRY-STEWART3 Filed as: GLYNDA C FRY-STEWARD | 12060 84TH STREET LEXINGTON, OK 73051 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $362 | $3K | 14.23% |
| DAVID CHRISTOPHER NUNES3 | 11332 SOUTHWEST 133 PLACE MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $401 | $2K | 8.34% |
| ANDREA BROWNING3 | 145 19TH AVENUE SOUTHEAST ST PETERSBURG, FL 33705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $644 | $300 | $944 | 4.39% |
| DEACON CHARLES KAVANAUGH3 | 6336 HILL CREEK DRIVE THE COLONY, TX 75056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $689 | $194 | $883 | 4.11% |
| B & B INSURANCE SOLUTIONS INC3 | 12002 SOUTHWEST 128TH COURT MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $432 | $397 | $829 | 3.86% |
| THE FAMILY INSURANCE DISCOUNT3 | 8179 NORTHWEST 8 STREET APARTMENT B7 MIAMI, FL 33126 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $408 | $20 | $428 | 1.99% |
| BRITO BENEFITS SOLUTIONS INC3 | 14716 SOUTHWEST 112 TERRACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $184 | $60 | $244 | 1.14% |
| BILLY MARK ROBERSON3 | 17415 SHADY CANYON SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $230 | $11 | $241 | 1.12% |
| MPART BENEFITS INC3 | 100 ALBRIGHT LANE PROSPER, TX 75078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $106 | $111 | $217 | 1.01% |
| PAMELA EISELE FAZIO3 | 3344 MARWORTH COURT MACUNGIE, PA 18062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $192 | — | $192 | 0.89% |
| WORLD PRIME SOLUTIONS3 | 7000 NOVA DRIVE DAVIE, FL 33317 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $150 | $34 | $184 | 0.86% |
| MICHEL GUTIERREZ3 | 29244 SOUTHWEST 142ND PLACE HOMESTEAD, FL 33033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $88 | $1 | $89 | 0.41% |
| ALDEN D MCGEE3 | 3657 RICHMOND STREET JACKSONVILLE, FL 32205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | $26 | $88 | 0.41% |
| STEVEN WOOD3 | 25635 WEIGELA SAN ANTONIO, TX 78261 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | $33 | $68 | 0.32% |
| THE GRANT AGENCY INC3 | PO BOX 41544 JACKSONVILLE, FL 32203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.16% |
| THOMAS SNYDER3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $21 | $32 | 0.15% |
| JERRY LYNN MCMILLIAN SR3 | 5514 BARRINGTON COURT JACKSONVILLE, FL 32244 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $3 | $23 | 0.11% |
| HEATHER WOMBLE LLC3 | 2409 PIRATE COURT JACKSONVILLE, FL 32224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $13 | $18 | 0.08% |
| LIZBETH RAMON3 | 15242 SOUTHWEST 161ST MIAMI, FL 33187 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.06% |
| MACDOUGALL BENEFITS LLC3 | 1794 ARBOR DRIVE FERNANDINA BEACH, FL 32034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $5 | $11 | 0.05% |
| ALYSON MARIE MCMAHON3 | 2127 GRASSY BASIN COURT JACKSONVILLE, FL 32224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $4 | $9 | 0.04% |
| AZUCENA CARMEN UCTUM3 | 422 TRADITION LANE WINTER SPRINGS, FL 32708 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 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 | 486 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 492 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 753 | $372K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 753 | $372K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 753 | $372K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 753 | $372K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 753 | $372K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 538 | $1.2M |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 753 | $545K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 753 | — |
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.