| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CUNDY, INC.3 Filed as: CUNDY, INC | PO BOX 24080 FORT LAUDERDALE, FL 33307 | UNITEDHEALTHCARE INSURANCE COMPANY | $28K | $134K | $161K | 5.91% |
| CUNDY, INC.3 Filed as: CUNDY, INC | PO BOX 24080 FORT LAUDERDALE, FL 33307 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $8K | $8K | 0.28% |
| CUNDY, INC.3 | PO BOX 24080 FORT LAUDERDALE, FL 33307 | UNITEDHEALTHCARE | $62K | — | $62K | 28.60% |
| CUNDY, INC.3 | PO BOX 24080 FORT LAUDERDALE, FL 33307 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51K | — | $51K | 62.71% |
| ACHIOTE ENTERPRISES INC3 Filed as: ACHIOTE ENTERPRISES INC. | 9647 SUGAR PINES CT DAVIE, FL 33328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | — | $10K | 12.27% |
| GUSTAVO LIMA FELIPE3 | 13652 GLOSGOW LN DELRAY BEACH, FL 33446 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 8.87% |
| ANGEL GABRIEL VELAZQUEZ-DIAZ3 | 2022 ESTANCIA CIR, STE 6 KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 3.21% |
| MICHAEL MARSHALL3 | 1134 SE 6TH CT DANIA BEACH, FL 33004 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 2.88% |
| BENEFITLAB INC3 | 9647 SUGAR PINES CT DAVIE, FL 33328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 2.06% |
| YESENIA HENOHE OSORIO3 | 13611 ISHNALA CIR WELLINGTON, FL 33414 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.74% |
| MARIA E GADEA3 Filed as: MARIA ELIZABETH GADEA | 9433 FONTAINEBLEAU BLVD, APT 10 MIAMI, FL 33172 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $964 | — | $964 | 1.17% |
| MARY-JOYCE LICATA3 | 24 CORIANDER LN NORTH KINGSTOWN, RI 02852 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $898 | — | $898 | 1.09% |
| PETER DEL INVESTMENTS INC3 | 247 GRAHAM FORNEY, TX 75126 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $740 | — | $740 | 0.90% |
| LUC JOSEPH3 | 548 NW 51ST ST MIAMI, FL 33127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $656 | — | $656 | 0.80% |
| MARIROSY GONZALEZ3 | 2200 SW 4TH AVE MAIMI, FL 33129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $517 | — | $517 | 0.63% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ADAM IRA BROWN | 700 NE 7TH AVE APT 6 FORT LAUDERDALE, FL 33304 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $306 | — | $306 | 0.37% |
| MARIA D KADALA3 Filed as: MARIA DOLORES KADALA | 1830 N UNIVERSITY DR PLANTATION, FL 33322 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $299 | — | $299 | 0.36% |
| BRETT THOMAS DALTON3 | 247 GRAHAM FORNEY, TX 75126 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $288 | — | $288 | 0.35% |
| CORCORAN & HOYT LLC3 | 3905 TAMPA RD OLDSMAR, FL 34677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $99 | — | $99 | 0.12% |
| THE MEEHAN AGENCY LLC3 | 1924 DOWN HOLLOW LN WINDERMERE, FL 34786 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $99 | — | $99 | 0.12% |
| WENDOLYN ISOLA3 | 9271 CARIBBEAN BLVD CUTLER BAY, FL 33157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | — | $56 | 0.07% |
| JANET IBANEZ3 | 17501 SW 92ND CT PALMETTO BAY, FL 33157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | — | $56 | 0.07% |
| PEACOCK FINANCIALS INC3 | 11830 NW 32ND MNR SUNRISE, FL 33323 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | — | $53 | 0.06% |
| BROOKS AGENCY INC3 | 14812 COUNTY RD 424 LINDALE, TX 75771 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.03% |
| BENEFIT COUNTS, LLC3 Filed as: BENEFIT COUNTS LLC | PO BOX 256 TROUP, TX 75789 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 3520 THOMASVILLE ROAD TALLAHASSEE, FL 32309 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| BRITO BENEFITS SOLUTIONS INC3 | 14716 SW 112TH TER MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| PARSONS BENEFITS GROUP LLC3 Filed as: PARSONS BENEFIT GROUP LLC | 5603 PALLADIO LN LONGVIEW, TX 75605 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| DEYSI LUCERO BENITEZ3 | 3701 HYNSON SPRINGS RD MARSHALL, FL 75670 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| SINGLE POINT ENROLLMENT SOLUTIONS3 Filed as: SINGLE POINT ENROLLMENT SOLUTIONS I | 14716 SW 112TH TER MAIMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| NICOLE TOWNSEND VEDDER3 | 6548 WILDEMEADE PL TALLAHASSEE, FL 32309 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| B & B INSURANCE SOLUTIONS INC3 | 14716 SW 112TH TER MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| MACDOUGALL BENEFITS LLC3 | 1794 ARBOR DR FERNANDINA BEACH, FL 32034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| JOEY MIGUES3 Filed as: JOEY GRUBBS BENEFITS LLC | 515 TAYLOR RD MONTICELLO, FL 32344 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| MATTHEW HAND3 | 8508 PARROTS LANDING DR TAMPA, FL 33647 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| PATRICIA M CARDUCCI3 | 4784 SIMCOE ST PALM HARBOR, FL 34683 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| WORKSITE AMERICA LLC3 | 14141 46TH ST N, STE 1209 CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| SHIRLEY B DRAKE3 | 14141 46TH ST N, STE 1209 CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| CUNDY, INC.3 Filed as: CUNDY, INC | PO BOX 24080 FORT LAUDERDALE, FL 33308 | PROSPERITY LIFE GROUP | $6K | — | $6K | 10.00% |
| CUNDY, INC.3 | PO BOX 24080 FORT LAUDERDALE, FL 33307 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16K | — | $16K | 59.63% |
| ACHIOTE ENTERPRISES INC3 Filed as: ACHIOTE ENTERPRISES INC. | 9647 SUGAR PINES CT DAVIE, FL 33328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 11.90% |
| ANGEL GABRIEL VELAZQUEZ-DIAZ3 | 2022 ESTANCIA CIR, STE6 KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 6.32% |
| GUSTAVO LIMA FELIPE3 | 13652 GLOSGOW LN DELRAY BEACH, FL 33446 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 4.68% |
| MARIA E GADEA3 Filed as: MARIA ELIZABETH GADEA | 9433 FONTAINBLEAU BLVD, APT 10 MAIMI, FL 33172 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $996 | — | $996 | 3.71% |
| MICHAEL MARSHALL3 | 1134 SE 6TH CT DANIA, FL 33004 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $683 | — | $683 | 2.55% |
| BENEFITLAB INC3 Filed as: BENEFITLAB INC. | 9647 SUGAR PINES CT DAVIE, FL 33328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $535 | — | $535 | 1.99% |
| LUC JOSEPH3 | 548 NW 51ST ST MAIMI, FL 33127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $531 | — | $531 | 1.98% |
| YESENIA HENOHE OSORIO3 Filed as: YESENIA HANOHE OSORIO | 13611 ISHNALA CIR WELLINGTON, FL 33414 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $526 | — | $526 | 1.96% |
| MARIA D KADALA3 Filed as: MARIA DELORES KADALA | 1830 N UNIVERSITY DR PLANTATION, FL 33322 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $525 | — | $525 | 1.96% |
| MARY-JOYCE LICATA3 | 24 CORIANDER LN NORTH KINGSTOWN, RI 02852 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $343 | — | $343 | 1.28% |
| MARIROSY GONZALEZ3 | 2200 SW 4TH AVE MIAMI, FL 33129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $200 | — | $200 | 0.75% |
| THE MEEHAN AGENCY LLC3 | 1924 DOWN HOLLOW LN WINDERMERE, FL 34786 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | — | $67 | 0.25% |
| CORCORAN & HOYT LLC3 | 3905 TAMPA ROAD OLDSMAR, FL 34677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | — | $67 | 0.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ADAM IRA BROWN | 700 NE 7TH AVE APT 6 FORT LAUDERDALE, FL 33304 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | — | $57 | 0.21% |
| JANET IBANEZ3 | 17501 SW 92ND CT PALMETTO BAY, FL 33157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | — | $49 | 0.18% |
| WENDOLYN ISOLA3 | 9271 CARIBBEAN BLVD CUTLER BAY, FL 33157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | — | $49 | 0.18% |
| PEACOCK FINANCIALS INC3 | 11830 NW 32ND MNR SUNRISE, FL 33323 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.12% |
| LOREN RENEE CRONIN3 | 4118 GREENFERN DR ORLANDO, FL 32810 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.09% |
| BRITO BENEFITS SOLUTIONS INC3 Filed as: BRITO BENEFITS SOLUTIONS | 14716 SW 112TH TER MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| SINGLE POINT ENROLLMENT SOLUTIONS3 Filed as: SINGLE POINT ENROLLMENT SOLUTIONS I | 14716 SW 112TH TER MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| B & B INSURANCE SOLUTIONS INC3 | 14716 SW 112TH TER MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
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 | 581 | 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) | 581 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 705 | $2.7M |
| Life insurance | UNITEDHEALTHCARE | 504 | $218K |
| Short-term disability | UNITEDHEALTHCARE | 504 | $218K |
| Long-term disability | UNITEDHEALTHCARE | 504 | $218K |
| Other(3 contracts, 2 carriers) | UNITEDHEALTHCARE | 504 | $327K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 705 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.