| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 1201 WEST CYPRESS CREEK ROAD SUITE 130 FORT LAUDERDALE, FL 33309 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $49K | — | $49K | 16.87% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 5738 FOREMOST DRIVE SE GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 2.47% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 901 MARQUETTE AVENUE SUITE 1800 MINNEAPOLIS, MN 55402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $638 | $3K | 6.03% |
| SINGLE POINT ENROLLMENT SOLUTIONS3 | 12002 SW 128TH CT SUITE 201 MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $739 | $768 | $2K | 3.29% |
| MODERN LIFE FINANCIAL GROUP3 | 2826 SW 145TH COURT MIAMI, FL 33175 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $900 | $52 | $952 | 2.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 777 SW 37TH AVE MIAMI, FL 33135 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $603 | $32 | $635 | 1.39% |
| ANDREA BROWNING3 | 145 19TH AVENUE SE ST PETERSBURG, FL 33705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $288 | $132 | $420 | 0.92% |
| MONICA MARIA REVUELTA3 | 4721 NW 178TH TERRACE MIAMI GARDENS, FL 33055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $132 | $240 | $372 | 0.81% |
| MIS BENEFITS CONSULTANTS INC3 Filed as: MIS BENEFITS CONSULTANTS, INC. | 401 SW 4TH AVENUE FORT LAUDERDALE, FL 33315 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $285 | $76 | $361 | 0.79% |
| FINANCIAL DESIGNS INC3 Filed as: FINANCIAL DESIGNS, INC. | 8000 NW 7TH ST. MIAMI, FL 33126 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $295 | — | $295 | 0.64% |
| HAYS COMPANIES, INC.3 | 80 S. 8TH ST. MINNEAPOLIS, MN 55402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $262 | — | $262 | 0.57% |
| IRENE SHULGIN3 Filed as: IRENE MICHEL SHULGIN | 503 BRIANS WAY AUGUSTA, GA 30907 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $201 | — | $201 | 0.44% |
| BRITO BENEFITS SOLUTIONS INC3 Filed as: BRITO BENEFITS SOLUTIONS, INC. | 14716 SW 112 TER. MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $163 | $35 | $198 | 0.43% |
| CHERYL ANN HERNANDEZ3 | 833 SW CURRY ST. PORT ST. LUCIE, FL 34983 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $134 | $15 | $149 | 0.33% |
| MELZER SUPPLEMENTAL BENEFITS INC3 Filed as: MELZER SUPPLEMENTAL BENEFITS, INC. | 4801 1/2 ELM AVE FORT PIERCE, FL 34982 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $128 | — | $128 | 0.28% |
| JOSEPH A STALTARE3 | 11085 SACCO DR. BOCA RATON, FL 33428 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $114 | — | $114 | 0.25% |
| HOVIE AGENCY LLC3 Filed as: HOVIE AGENCY, LLC. | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $106 | — | $106 | 0.23% |
| CREATIVE BENEFIT CONSULTANTS INC3 Filed as: CREATIVE BENEFIT CONSULTANTS, INC. | 18214 102ND WAY S SUITE 100 BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | — | $75 | 0.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ADAM IRA BROWN | 700 NE 7TH AVENUE APT. 6 FORT LAUDERDALE, FL 33304 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | $11 | $75 | 0.16% |
| THE FAMILY INSURANCE DISCOUNT3 | 14115 SW 179TH TERRACE MIAMI, FL 33177 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | $1 | $60 | 0.13% |
| MY ROI GROUP LLC3 | 1900 S TREASURE DRIVE APT 4G NORTH BAY VILLAGE, FL 33141 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.07% |
| MICHAEL MARSHALL3 | 1134 SE 6TH CT. DANIA BEACH, FL 33004 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.07% |
| CARLOS PAEZ3 | 3480 NW 85TH CT APT. 214 DORAL, FL 33122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $1 | $19 | 0.04% |
| USI INSURANCE SERVICES LLC3 | 3 EXECUTIVE PARK DRIVE BEDFORD, NH 03110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.03% |
| CANDICE KLEE3 | 16569 77TH LANE N LOXAHATCHEE, FL 33470 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.02% |
| CHARLES LEONARD HERNANDEZ3 | 833 SW CURRY ST. PORT ST. LUCIE, FL 34963 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| WILLIAM GARDNER EICHHORN3 | 3450 CHAPEL CREEK CIRCLE WESLEY CHAPEL, FL 33544 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| MORFAR STRATEGIES INC3 Filed as: MORFAR STRATEGIES, INC. | 10380 NW 52 ST. CORAL SPRINGS, FL 33076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| LISA M RUSSEY3 | 10380 NW 52 ST. CORAL SPRINGS, FL 33076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| BETTER CHOICE HEALTH LLC3 Filed as: BETTER CHOICE HEALTH, LLC | 4461 NE 30TH AVE LIGHTHOUSE POINT, FL 33064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| LUC JOSEPH3 | 548 NW 51ST ST. MIAMI, FL 33127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| EM PROPERTY & CASUALTY LLC3 Filed as: EM PROPERTY & CASUALTY, LLC | 13500 SW 88TH ST., STE 287 MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.01% |
| KYLE RUSSEY3 | 10380 NW 52ND ST. CORAL SPRINGS, FL 33076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| TULASI ANGELICA ASURZA3 | 4679 SW 154TH CT MIAMI, FL 33185 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| YESSICA BERTI FROMETA3 | 2775 NE 187TH STREET APT. 622 MIAMI, FL 33180 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| NATIONAL AGENCY SOLUTIONS LLC3 | 7313 MERCHANT CT. SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $4K | — | $4K | 9.99% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | P.O. BOX 1414 MINNEAPOLIS, MN 55480 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | — | $3K | 8.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 1201 WEST CYPRESS CREEK ROAD SUITE 130 FORT LAUDERDALE, FL 33309 | CIGNA DENTAL HEALTH OF FLORIDA | $865 | — | $865 | 10.00% |
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 | 159 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 103 | $332K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 103 | $301K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 103 | $292K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 158 | $95K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 158 | $95K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 158 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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.