| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN FL HOMESTEAD | 8825 NW 21ST TER DORAL, FL 33172 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | $57K | $69K | 3.79% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1780 N KROME AVE 2ND FLOOR HOMESTEAD, FL 33030 | UNITEDHEALTHCARE INSURANCE COMPANY | $28K | — | $28K | 17.42% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 8825 NW 21ST TER DORAL, FL 33172 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25K | $6K | $30K | 19.95% |
| SINGLE POINT ENROLLMENT SOLUTIONS3 | 12002 SW 128TH CT STE 201 MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $7K | $16K | 10.38% |
| ANDREA BROWNING3 | 145 19TH AVE. SE SAINT PETERSBURG, FL 33705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | 3.88% |
| B & B INSURANCE SOLUTIONS INC3 | 12002 SW 128TH CT MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $3K | 2.29% |
| BRITO BENEFITS SOLUTIONS INC3 | 14716 SW. 112 TERRACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $999 | $3K | 2.21% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ADAM IRA BROWN | 700 NE 7TH AVE., #6 FORT LAUDERDALE, FL 33304 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $788 | $3K | 1.88% |
| ANA ELISA FURNISS3 | 9022 SW 123RD CT APT O-402 MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $457 | $2K | 1.54% |
| WORLD PRIME SOLUTIONS3 | 7000 NOVA DR DAVIE, FL 33317 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $218 | $1K | 0.97% |
| MODERN LIFE FINANCIAL GROUP3 | 2826 SOUTHWEST 145 CT MIAMI, FL 33175 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $195 | $1K | 0.96% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS & ASSOC INC. | 1100 N. 163RD ST. N MIAMI BEACH, FL 33162 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.95% |
| GUY SANMIGUEL3 | 4965 SW 134TH AVE MIRAMAR, FL 33027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $117 | $1K | 0.81% |
| MICHEL GUTIERREZ3 | 4703 W MCELROY AVE APT 19 TAMPA, FL 33611 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $932 | $34 | $966 | 0.64% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES | 100 WOOD AVE S ISELIN, NJ 08830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $954 | — | $954 | 0.63% |
| EDUARDO TUCTO3 | 16 OCEAN PKWY BROOKLYN, NY 11218 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $620 | $220 | $840 | 0.56% |
| DANA MARIE MOWATT3 | 23701 S. WESTERN AVE., #112 TORRANCE, CA 90501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $491 | $104 | $595 | 0.39% |
| MICHAEL ALAN SCHOOLEY3 Filed as: MICHAEL ALLEN SCHOOLEY | 11107 SW 138TH PL MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $545 | $44 | $589 | 0.39% |
| LAWRENCE DAVID FURNISS3 | 9020 SW 123RD COURT APT 0-402 MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $493 | $42 | $535 | 0.35% |
| THE FAMILY INSURANCE DISCOUNT3 | 12010 SW 135TH TERRACE MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $220 | $11 | $231 | 0.15% |
| AMY E COHEN3 | 19967 VILLA LANTE PLACE BOCA RATON, FL 33434 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $170 | $22 | $192 | 0.13% |
| ROCHELLE DIANE KELLY-PERRY THOMAS3 | 45 IVY DR JERICHO, NY 11753 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $95 | $50 | $145 | 0.10% |
| ELIZABETH SANGUILY3 | 8421 SW. 124TH AVE. MIAMI, FL 33183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $104 | $5 | $109 | 0.07% |
| ERLANDE MICHEL3 | 3141 LA FRANCE AVE SW. PALM BAY, FL 32908 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | $1 | $40 | 0.03% |
| TUCTO & ASSOCIATES CORP3 | 16 OCEAN PARKWAY BROOKLYN, NY 11218 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.01% |
| ESSENTIAL BENEFITS LLC3 Filed as: ESSENTIAL BENEFITS, LLC | 8421 SW. 124 AVENUE MIAMI, FL 33183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.01% |
| MELINDA DIANE SWARTLEY3 | 202 PACER LN. COLLEGEVILLE, PA 19426 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| CLARICE R MIMS3 | 133 HILLCREST DR MARLBORO, NY 12542 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| CTL SERVICES INC3 Filed as: CTL SERVICES INC. | 1140 CLIMBING ROSE DR. ORLANDO, FL 32818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.00% |
| EM PROPERTY & CASUALTY LLC3 | 13500 SW 88TH STREET SUITE 287 MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| CORCORAN & HOYT LLC3 | 3905 TAMPA RD. OLDSMAR, FL 34677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.00% |
| SUFINANZA INSURANCE AND FINANCIAL S3 | 3351 NW. 85TH AVE CORAL SPRINGS, FL 33065 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| THE MEEHAN AGENCY LLC3 | 1924 DOWN HOLLOW LN WINDERMERE, FL 34786 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 8825 NW 21ST TERRACE DORAL, FL 33172 | TRANSAMERICA INSURANCE CO. | $8K | — | $8K | 16.42% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO. | — | $4K | $4K | 8.45% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. | — | $3K | $3K | 6.82% |
| EXCELSIOR BENEFITS LLC3 | 441 2ND STREET EXCELSIOR, MN 55331 | TRANSAMERICA INSURANCE CO. | $651 | — | $651 | 1.40% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATES | 1100 NE 163RD ST 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | TRANSAMERICA INSURANCE CO. | -$275 | — | -$275 | -0.59% |
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 | 382 | 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) | 382 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 381 | $1.8M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 381 | $1.8M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 381 | $1.8M |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 382 | $314K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 382 | $163K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 382 | $163K |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 382 | $361K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 382 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.