| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON R. NOWELL | 10954 MILL POND WAY ORLANDO, FL 32825 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $24 | $1K | 3.89% |
| CONSOLIDATED INSURANCE GROUP INC3 Filed as: CONSOLIDATED INSURANCE GROUP, INC. | 10 FAIRWAY DRIVE DEERFIELD BEACH, FL 33441 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 3.38% |
| AVERY INSURANCE INC3 Filed as: AVERY INSURANCE, INC. | 460 SE 3RD TERRACE POMPANO BEACH, FL 33060 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $283 | $0 | $283 | 0.79% |
| MARIA D KADALA3 Filed as: MARIA DOLORES KADALA | 1830 NORTH UNIVERSITY DRIVE PLANTATION, FL 33322 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $163 | $5 | $168 | 0.47% |
| LESLIE BRERETON3 | 2125 NE 63RD COURT FORT LAUDERDALE, FL 33308 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $88 | $0 | $88 | 0.25% |
| ROBERT ANTHONY MARTIN3 Filed as: ROBERT A. MARTIN AND OTHER AGENTS | PO BOX 1516 FLORENCE, KY 41022 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $46 | $0 | $46 | 0.13% |
| LUC JOSEPH3 | 548 NW 51ST STREET MIAMI, FL 33127 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $37 | $0 | $37 | 0.10% |
| CONSOLIDATED INSURANCE GROUP INC3 Filed as: CONSOLIDATED INSURANCE GROUP, INC. | 10 FAIRWAY DRIVE, SUITE 201 DEERFIELD BEACH, FL 33441 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 13.54% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $65 | $65 | 0.37% |
| EMPLOYER BENEFITS CONSULTING LLC3 Filed as: EMPLOYER BENEFITS CONSULTING, LLC | 13200 SW 128TH STREET, SUITE G1 MIAMI, FL 33186 | FLORIDA COMBINED LIFE | $1K | $0 | $1K | 9.79% |
| EMPLOYER BENEFITS CONSULTING LLC3 Filed as: EMPLOYER BENEFITS CONSULTING, LLC | 13200 SW 128TH STREET, SUITE G1 MIAMI, FL 33186 | BLUECROSS BLUESHIELD OF FLORIDA, INC. | $947 | $0 | $947 | 8.37% |
| USI INSURANCE SERVICES LLC3 | 301 EAST PINE STREET, SUITE 240 ORLANDO, FL 32801 | BLUECROSS BLUESHIELD OF FLORIDA, INC. | $185 | $0 | $185 | 1.63% |
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 | 235 | 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) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 41 | $36K |
| Dental | FLORIDA COMBINED LIFE | 65 | $13K |
| Vision | BLUECROSS BLUESHIELD OF FLORIDA, INC. | 77 | $11K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 235 | $53K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 41 | $36K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 235 | $17K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 235 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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."
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.