| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS | 2056 VISTA PKWY STE 305 WEST PALM BEACH, FL 33411 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 9.14% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 2056 VISTA PKWY STE 350 WEST PALM BEACH, FL 33411 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $426 | $0 | $426 | 0.86% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 2056 VISTA PWY 350 WEST PALM BEAH, FL 33411 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 9.17% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 2056 VISTA PWY STE 350 WEST PALM BEACH, FL 33411 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $374 | $0 | $374 | 0.83% |
| MELZER SUPPLEMENTAL BENEFITS INC3 | 4801 1 2 ELM AVE FORT PIERCE, FL 34982 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $135 | $3K | 7.75% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 W STATE RD 434 LONGWOOD, FL 32750 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $417 | $2K | 5.18% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SERVICES L | 352 WINDOW ROCK DR WELLINGTON, FL 33411 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $20 | $1K | 3.48% |
| LYNN MARIE BARRY3 | 301 W PARK AVE LANGHORNE, PA 19047 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $395 | $124 | $519 | 1.51% |
| JOHN BETSON3 Filed as: JOHN R BETSON | 1965 PARK PLACE BOCA RATON, FL 33486 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $290 | $220 | $510 | 1.48% |
| ACHIOTE ENTERPRISES INC3 | 9647 SUGAR PINES CT DAVIE, FL 33328 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $93 | $0 | $93 | 0.27% |
| BRANDY BETSON3 | 1965 PARK PLACE BOCA RATON, FL 33486 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $19 | $7 | $26 | 0.08% |
| JOHN P ROMANUCCI3 | 10524 E 36TH ST YUMA, AZ 85365 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| TOWERS BENEFITS GROUP LLC3 | 20235 N CAVE CREEK RD STE 104 PHOENIX, AZ 85024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| KURZ & VALDEZ BENEFIT ENROLLMENT SO3 | 8601 N BLACK CANYON HWY STE 20 PHOENIX, AZ 85021 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SRVCS LLC | 2056 VISTA PKWY STE 305 WEST PALM BEACH, FL 33411 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 9.17% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 2056 VISTA PWY STE 350 WEST PLAM BEACH, FL 33411 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $235 | $0 | $235 | 0.83% |
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 | 238 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 192 | $238K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 192 | $238K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 238 | $78K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 236 | $45K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 238 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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.