| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 2400 EAST COMMERCIAL BOULEVARD SUITE 600 FORT LAUDERDALE, FL 33308 | AVMED | $30K | $3K | $33K | 6.61% |
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE CENTER PARKWAY SUITE 700 ATLANTA, GA 30328 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $722 | $6K | 11.74% |
| USI INSURANCE SERVICES LLC3 | 201 ALHAMBRA CIRCLE CORAL GABLES, FL 33134 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $419 | $7K | 15.55% |
| SINGLE POINT ENROLLMENT SOLUTIONS3 | 12002 SW 128TH COURT, SUITE 201 MIAMI, FL 33186 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 8.38% |
| BRITO BEN. CONS., INC. AND AGENTS3 | 14716 SW 112TH TERRACE MIAMI, FL 33196 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $157 | $2K | 3.81% |
| ANDREA BROWNING3 | 145 19TH AVENUE SE ST PETERSBURG, FL 33705 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $445 | $2K | 3.28% |
| WORLD PRIME SOLUTIONS3 | 7000 NOVA DRIVE, APARTMENT 203 DAVIE, FL 33317 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $677 | $232 | $909 | 1.89% |
| ANTHONY ACCILIEN3 | 15764 HUMMINGBIRD LANE WESTLAKE, FL 33470 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $544 | $0 | $544 | 1.13% |
| FLORIDA GROUP BENEFITS INC3 Filed as: FLORIDA GROUP BENEFITS, INC. | 8421 SW 124TH AVENUE APARTMENT 103 MIAMI, FL 33183 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $475 | $63 | $538 | 1.12% |
| USI INSURANCE SERVICES LLC3 | 201 ALHAMBRA CIRCLE CORAL GABLES, FL 33134 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $166 | $4K | 14.90% |
| SINGLE POINT ENROLLMENT SOLUTIONS3 | 12002 SW 128TH COURT, SUITE 201 MIAMI, FL 33186 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $688 | $2K | 8.01% |
| MICHAEL ALAN SCHOOLEY & AGENTS3 | 11107 SW 138TH PLACE MIAMI, FL 33186 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $659 | $64 | $723 | 2.99% |
| ANDREA BROWNING3 | 145 19TH AVENUE SE ST PETERSBURG, FL 33705 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $511 | $193 | $704 | 2.91% |
| WORLD PRIME SOLUTIONS3 | 7000 NOVA DRIVE, APARTMENT 203 DAVIE, FL 33317 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $275 | $65 | $340 | 1.40% |
| 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 | $259 | $59 | $318 | 1.31% |
| MODERN LIFE FINANCIAL GROUP3 | 2826 SW 145TH COURT MIAMI, FL 33175 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $273 | $16 | $289 | 1.19% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $829 | $0 | $829 | 10.81% |
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 | 154 | 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) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AVMED | 84 | $494K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 154 | $49K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 95 | $8K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 154 | $49K |
| Prescription drug | AVMED | 84 | $494K |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 154 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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.