| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 201 ALHAMBRA CIRCLE, SUITE 810 CORAL GABLES, FL 33134 | NEIGHBORHOOD HEALTH PARTNERSHIP | — | $46K | $46K | 6.38% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 2400 EAST COMMERCIAL BOULEVARD SUITE 600 FORT LAUDERDALE, FL 33308 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 0.36% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICS, LLC | 1715 NORTH WEST SHORE BOULEVARD SUITE 700 TAMPA, FL 33607 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.83% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1301 GERVAIS STREET, SUITE 500 COLUMBIA, SC 29201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 3.04% |
| JEFFREY E. NEWMAN & ASSOCIATES3 Filed as: JEFFREY E. NEWMAN AND ASSOCIATES | 2 SOUTH BISCAYNE BOULEVARD SUITE 1740 MIAMI, FL 33131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2 | — | $2 | 0.01% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 200 WEST CYPRESS CREEK ROAD FORT LAUDERDALE, FL 33309 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $888 | $10K | 29.73% |
| GINA MARIE MARTINEZ3 | 2401 NE 65TH STREET FORT LAUDERDALE, FL 33308 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 13.68% |
| SHEALY BENEFITS SERVICES INC3 | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 8.81% |
| ESQUEN INSURANCE GROUP CORP3 | 14552 SW 152ND PLACE MIAMI, FL 33193 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $591 | $2K | 6.07% |
| GRAEM M CLARK3 Filed as: GRAEM M. CLARK | 589 WINDMERE DRIVE MIAMI, FL 33193 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $619 | $886 | $2K | 4.71% |
| IVAN GONIMA3 | 1406 SELBYDON WAY WINTER GARDEN, FL 34787 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $858 | $403 | $1K | 3.95% |
| ADVANCED BENEFIT SYSTEM INC3 | 1301 GERVAIS STREET COLUMBIA, SC 29201 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $422 | $712 | $1K | 3.55% |
| FRANCIS PUELS-RICCARDI3 | 7822 NW 62ND TERRACE PARKLAND, FL 33067 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $983 | $70 | $1K | 3.29% |
| MARIA D KADALA3 Filed as: MARIA D. KADALA | 1830 NORTH UNIVERSITY DRIVE PLANTATION, FL 33322 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $827 | $221 | $1K | 3.28% |
| KALINA QUINTANA3 | 8261 NW 8TH STREET MIAMI, FL 33126 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $880 | $72 | $952 | 2.98% |
| EMPLOYEE ENROLLMENT ENTERPRISES INC3 Filed as: EMPLOYEE ENROLLEMENT ENTERPRISES | 16002 NE 65TH STREET FT LAUDERDALE, FL 33193 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $470 | $52 | $522 | 1.63% |
| JUDITH I VIDAL3 | 7280 STIRLING ROAD HOLLYWOOD, FL 33024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $480 | $9 | $489 | 1.53% |
| PETER WILLIAM CUERVO3 | 4664 SW 159 AVENUE MIAMI, FL 33185 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $348 | — | $348 | 1.09% |
| LOURDES PRICE3 | 16002 SW 73RD STREET MIAMI, FL 33308 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $132 | $48 | $180 | 0.56% |
| FELIPE CARLOS BARREDA3 | 1205 MARIPOSA AVENUE, SUITE 227 CORAL GABLES, FL 33146 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $105 | $12 | $117 | 0.37% |
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 | 112 | 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) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | NEIGHBORHOOD HEALTH PARTNERSHIP | 148 | $1.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 85 | $36K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 85 | $36K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 85 | $36K |
| Prescription drug(2 contracts, 2 carriers) | NEIGHBORHOOD HEALTH PARTNERSHIP | 148 | $1.4M |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 57 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.