| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $38K | $45K | 6.36% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $53 | $4K | 9.81% |
| B & B INSURANCE SOLUTIONS INC3 Filed as: B&B INSURANCE SOLUTIONS INC | 12002 SW 128TH CT MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $653 | $795 | $1K | 3.27% |
| ANDREA BROWNING3 | 145 19TH AVE SE ST PETERSBURG, FL 33705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $803 | $335 | $1K | 2.57% |
| MICHAEL GUTIERREZ3 | 29244 SW 142ND PL HOMESTEAD, FL 33033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $664 | $21 | $685 | 1.55% |
| MICHAEL ALAN SCHOOLEY3 | 11107 SW 138TH PL MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $547 | $30 | $577 | 1.30% |
| 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 | $400 | $108 | $508 | 1.15% |
| BRITO BENEFITS SOLUTIONS INC3 | 14716 SW 112TH TERR MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $328 | $101 | $429 | 0.97% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 3696 NORTH FEDERAL HIGHWAY 202 FORT LAUDERDALE, FL 33308 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $443 | $4K | 11.02% |
| INTEGRATED ENROLLMENT & TECHNOLOGY3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.73% |
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 | 149 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 140 | $702K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $41K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $41K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $41K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $41K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $41K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 149 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.