| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WA, LLC | 1325 4TH AVE. STE. 2100 SEATTLE, WA 98101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | — | $21K | 16.23% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WA, LLC | 1325 4TH AVE. STE. 2100 SEATTLE, WA 98101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 1.02% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WA, LLC | 1325 4TH AVE. STE. 2100 SEATTLE, WA 98101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 11.61% |
| MORFAR STRATEGIES INC3 Filed as: MORFAR STRATEGIES | 19967 NW 52 ST. CORAL SPRINGS, FL 33076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 9.44% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WASHINGTON | 1325 4TH AVE., STE. 2100 SEATTLE, WA 98101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 6.31% |
| PEACOCK FINANCIALS INC3 Filed as: PEACOCK FINANCIALS | 11830 NW 32ND MNR SUNRISE, FL 33323 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $650 | $806 | $1K | 3.46% |
| LISA M RUSSEY3 Filed as: LISA RUSSEY | 10380 NW 52 ST. CORAL SPRINGS, FL 33076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $664 | $254 | $918 | 2.18% |
| JUAN DAVID FRANCO3 | 160 HIBISCUS ST. TAVERNIER, FL 33070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $743 | — | $743 | 1.77% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF RD. ROLLING MEADOWS, IL 60008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $324 | — | $324 | 0.77% |
| AMY E COHEN3 Filed as: AMY COHEN | 19967 VILLA LANTE PL. BOCA RATON, FL 33434 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $170 | — | $170 | 0.40% |
| STALTARE BENEFITS INC3 Filed as: STALTARE BENEFITS | 2791 LAWRENCE MILL RUN MARIETTA, GA 30068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $96 | — | $96 | 0.23% |
| KYLE RUSSEY3 | 10380 NW 52 ST. CORAL SPRINGS, FL 33076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $86 | — | $86 | 0.20% |
| ROBERT HYLTON3 | 6287 GARRETT ST. JUPITER, FL 33458 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.05% |
| CREATIVE BENEFIT CONSULTANTS INC3 Filed as: CREATIVE BENEFIT CONSULTANTS | 18214 102ND WAY S. BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.05% |
| STEVEN P MOORE3 Filed as: STEVEN MOORE | 500 BEAR DR. GREENVILLE, SC 29605 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.03% |
| RYAN GRADY LEGGETT3 | 5091 SW 94TH TERRACE COOPER CITY, FL 33328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B ST., 6TH FLOOR SAN DIEGO, CA 92101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| ACHIOTE ENTERPRISES INC3 Filed as: ACHIOTE ENTERPRISES | 9647 SUGAR PINES CT. DAVIE, FL 33328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WA, LLC | 1325 4TH AVE. STE. 2100 SEATTLE, WA 98101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 12.84% |
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 | 398 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 416 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 275 | $4.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 275 | $4.4M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 275 | $4.4M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 398 | $128K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 218 | $79K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 398 | $104K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 398 | $184K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 398 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.