| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTURY ADVISORY SERVICES, INC.3 | 900 NW CORPORATE BOULEVARD SUITE 400 BOCA RATON, FL 33431 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.79% |
| LOCKTON COMPANIES, LLC3 | 1200 SW 145TH AVENUE, SUITE 101 PEMBROKE PINES, FL 33027 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.19% |
| SINGLE POINT ENROLLMENT SOLUTI3 Filed as: SINGLE POINT ENROLLEMENT SOLUTIONS | 12002 SW 128TH COURT, SUITE 201 MIAMI, FL 33186 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $5K | $9K | 17.17% |
| CENTURY ADVISORY SERVICES, INC.3 | 1900 NW CORPORATE BOULEVARD BOCA RATON, FL 33431 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $0 | $7K | 13.22% |
| BRITO BENEFITS SOLUTIONS INC3 Filed as: BRITO BENEFITS SOLUTIONS AND OTHERS | 14716 SW 112TH TERRACE MIAMI, FL 33196 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $340 | $2K | 4.86% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ADAM IRA BROWN | 700 NE 7TH AVENUE, APARTMENT 6 FORT LAUDERDALE, FL 33304 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $532 | $2K | 4.37% |
| WALTER LUISENRIQUE BENITEZ3 | 12002 SW 128TH COURT, SUITE 207 MIAMI, FL 33186 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 2.89% |
| USI INSURANCE SERVICES LLC3 | 201 ALHAMBRA CIRCLE CORAL GABLES, FL 33134 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $17 | $1K | 2.38% |
| MICHAEL ALAN SCHOOLEY3 | 11107 SW 138TH PLACE MIAMI, FL 33186 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $928 | $143 | $1K | 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 | 311 | 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) | 311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 386 | $138K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 386 | $138K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 386 | $189K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 386 | $138K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 386 | $189K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 386 | — |
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.
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.