| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC. | PO BOX 5727 FORT LAUDERDALE, FL 33310 | AETNA | $23K | — | $23K | 2.54% |
| ADAMS BENEFIT CORPORATION3 | 600 CORPORATE DRIVE, SUITE 305 FORT LAUDERDALE, FL 33334 | AETNA | $21K | — | $21K | 2.39% |
| ADAMS BENEFIT CORPORATION3 | 600 CORPORATE DRIVE, SUITE 305 FORT LAUDERDALE, FL 33334 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $4K | $10K | 13.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 220 SOUTH RIDGEWOOD AVENUE SUITE 500 DAYTONA BEACH, FL 32114 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 6.71% |
| NPC FINANCIAL INC.3 Filed as: NPC FINANCIAL, INC. | 2 SOUTH BISCAYNE BOULEVARD SUITE 1740 MIAMI, FL 33131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $37 | — | $37 | 0.05% |
| STALTARE BENEFITS INC3 Filed as: STALTARE BENEFITS, INC. | 700 EAST ATLANTIC BOULEVARD POMPANO BEACH, FL 33060 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $8K | $12K | 17.07% |
| DAVID ADAMS3 Filed as: DAVID BLAIR ADAMS III | 600 CORPORATE DRIVE FORT LAUDERDALE, FL 33334 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10K | — | $10K | 14.36% |
| MJ INSURANCE3 Filed as: WILLIAM MILLER AND VARIOUS AGENTS | 2908 OTRANTO ROAD NORTH CHARLESTON, SC 29406 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $2K | $9K | 12.50% |
| JADE COMPANIES LLC3 Filed as: JADE ALEXANDRA DAVIS | 215 CENTRAL AVENUE, SUITE 3H SAINT PETERSBURG, FL 33701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $921 | $4K | 4.98% |
| LISA MARIE OTERO3 | 23230 ISLAND VIEW BOCA RATON, FL 33433 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $321 | $2K | 2.88% |
| ROBERT D. BEAM III3 | 3244 HEATHLAND WAY MOUNT PLEASANT, SC 29466 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 2.46% |
| GCG FINANCIAL LLC3 Filed as: RAYMOND M. DICKERSON | 109 ROCHESTER ROAD EASLEY, SC 29640 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $50 | $1K | 1.61% |
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 | 150 | 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) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA | 111 | $893K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 150 | $76K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 150 | $76K |
| Prescription drug | AETNA | 111 | $893K |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 89 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.