| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF INSURANCE SERVICES | 1201 W CYPRESS CREEK RD SUITE 130 FORT LAUDERDALE, FL 33309 | HEALTH OPTIONS, INC | $116K | — | $116K | 5.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 1201 W CYPRESS CREEK RD STE 130 FORT LAUDERDALE, FL 33309 | BLUE CROSS BLUE SHIELD OF FLORIDA | $60K | — | $60K | 4.21% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 1201 W CYPRESS CREEK RD STE 130 FORT LAUDERDALE, FL 33309 | SUN LIFE ASSURANCE COMPANY OF CANADA | $38K | — | $38K | 11.86% |
| SHARON R NOWELL3 | 10954 MILL POND WAY ORLANDO, FL 32825 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 9.10% |
| SANDRA LYNN RACHMAN3 | 3117 GOLD BANKS RD WAKE FOREST, NC 27587 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 3.20% |
| AVERY INSURANCE INC3 Filed as: AVERY INS INC | 460 SE 3RD TER POMPANO BEACH, FL 33060 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $383 | — | $383 | 0.47% |
| LESLIE BRERETON3 | 2125 NE 63RD CT FT LAUDERDALE, FL 33308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $209 | — | $209 | 0.26% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS & ASSOC INC | 1100 NE 163RD STREET N MIAMI BEACH, FL 33162 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $106 | — | $106 | 0.13% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVE SOUTH ISELIN, NJ 08830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71 | — | $71 | 0.09% |
| MORFAR STRATEGIES INC3 Filed as: MORFAR STRATEGIES | 10380 NW 52ND ST CORAL SPRINGS, FL 33076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.03% |
| SINGLE POINT ENROLLMENT SOLUTIONS3 | 12002 SW 128TH CT STE 201 MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.02% |
| MICHAEL R ACKERMAN3 | 435 DEVON PARK DR STE 410 WAYNE, PA 19087 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.02% |
| BRITO BENEFITS SOLUTIONS INC3 | 14716 SW 112TH TER MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| ANDREA BROWNING3 | 145 19TH AVE SE ST PETERSBURG, FL 33705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| B & B INSURANCE SOLUTIONS INC3 | 12002 SW 128TH CT MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
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 | 215 | 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) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC | 120 | $3.6M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 215 | $322K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 215 | $322K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 215 | $322K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 215 | $322K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 215 | $322K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC | 120 | $3.6M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 215 | $404K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.