| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 | 1201 WEST CYPRESS CREEK ROAD SUITE 130 FORT LAUDERDALE, FL 33309 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $128K | $128K | 5.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 1201 WEST CYPRESS CREEK ROAD SUITE 130 FORT LAUDERDALE, FL 33309 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $7K | $21K | 14.73% |
| BROWN AND BROWN OF FLORIDA, INC.3 | PO BOX 5727 FORT LAUDERDALE, FL 33310 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $99 | $14K | 10.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.27% |
| SINGLE POINT ENROLLMENT SOLUTIONS3 Filed as: SINGLE POINT ENROLLMENT SOLUTIONS I | 12002 SW 128TH COURT, SUITE 201 MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE | $4K | $4K | $8K | 13.38% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 1201 WEST CYPRESS CREEK ROAD FORT LAUDERDALE, FL 33309 | COLONIAL LIFE & ACCIDENT INSURANCE | $5K | $702 | $6K | 10.92% |
| MORFAR STRATEGIES INC3 Filed as: MORFAR STRATEGIES, INC. | 10380 NW 52ND STREET CORAL SPRINGS, FL 33076 | COLONIAL LIFE & ACCIDENT INSURANCE | $2K | $1K | $3K | 5.27% |
| PEACOCK FINANCIALS INC3 Filed as: PEACOCK FINANCIALS, INC. | 11830 NW 32ND MANOR SUNRISE, FL 33323 | COLONIAL LIFE & ACCIDENT INSURANCE | $602 | $894 | $1K | 2.66% |
| LISA M RUSSEY3 Filed as: LISA M. RUSSEY | 10380 NW 52ND STREET CORAL SPRINGS, FL 33076 | COLONIAL LIFE & ACCIDENT INSURANCE | $977 | $447 | $1K | 2.54% |
| BRITO BENEFITS SOLUTIONS INC3 Filed as: BRITO BENEFITS SOL, INC. & OTHER | 14716 SW 112TH TERRACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE | $506 | $51 | $557 | 0.99% |
| ALL ATLANTIC BENEFITS LLC3 Filed as: ALL ATLANTIC BENEFITS, LLC | 3440 HOLLY BOULEVARD HOLLYWOOD, FL 33021 | COLONIAL LIFE & ACCIDENT INSURANCE | $519 | $0 | $519 | 0.92% |
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 | 221 | 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) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 307 | $2.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 332 | $138K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 332 | $138K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 221 | $144K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 221 | $144K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 221 | $144K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 307 | $2.4M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 221 | $200K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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.
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.