| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 | 1000 SOUTH PINE ISLAND ROAD SUITE 225 PLANTATION, FL 33324 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $46K | $52K | 2.91% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 1201 WEST CYPRESS CREEK ROAD SUITE 130 FORT LAUDERDALE, FL 33309 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $27K | $31K | 1.74% |
| USI INSURANCE SERVICES LLC3 | 2400 EAST COMMERCIAL BOULEVARD SUITE 600 FORT LAUDERDALE, FL 33308 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $14K | $17K | 0.95% |
| HAYS COMPANIES, INC.3 | 1000 SOUTH PINE ISLAND ROAD SUITE 225 PLANTATION, FL 33324 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $4K | $12K | 11.78% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.96% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 1201 WEST CYPRESS CREEK ROAD SUITE 130 FORT LAUDERDALE, FL 33309 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $641 | $0 | $641 | 0.62% |
| SINGLE POINT ENROLLMENT SOLUTIONS3 | 12002 SW 128TH COURT, SUITE 201 MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $6K | $10K | 21.20% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $3K | $9K | 19.07% |
| GUY SANMIGUEL3 Filed as: GUY SANMIGUEL AND OTHER AGENTS | 4965 SW 134TH AVENUE MIRAMAR, FL 33027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $492 | $4K | 9.33% |
| ANDREA BROWNING3 | 145 19TH AVENUE SE SAINT PETERSBURG, FL 33705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $881 | $2K | 5.02% |
| USI INSURANCE SERVICES LLC3 | 201 ALHAMBRA CIRCLE CORAL GABLES, FL 33134 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $92 | $2K | 3.87% |
| BRITO BENEFITS SOLUTIONS INC3 Filed as: BRITO BENEFITS SOLUTIONS, INC. | 14716 SW 112TH TERRACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $835 | $300 | $1K | 2.39% |
| THE FAMILY INSURANCE DISCOUNT3 | 12010 SW 135TH TERRACE MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $945 | $45 | $990 | 2.09% |
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 | 222 | 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) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 265 | $1.8M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 265 | $1.8M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 265 | $1.8M |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 222 | $150K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 222 | $103K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 222 | $103K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 265 | $1.8M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 222 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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.
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.