| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | PRINCIPAL LIFE INSURANCE COMPANY | $25K | $14K | $39K | 20.07% |
| INSURANCE OFFICE OF AMERICA3 | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $299 | $2K | 9.38% |
| KAREN PICCININI3 | 425 WEST COLONIAL DRIVE ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $796 | $309 | $1K | 6.44% |
| ALLEGIANT BENEFITS & SERVICES LLC3 | 7512 DR. PHILLIPS BOULEVARD ORLANDO, FL 32819 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $457 | $72 | $529 | 3.08% |
| ALYSON MARIE MCMAHON3 | 2127 GRASSY BASIN COURT JACKSONVILLE, FL 32224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $227 | $123 | $350 | 2.04% |
| PHYLLIS P VOSS3 Filed as: PHYLLIS P. VOSS | 449 DOUGLAS EDWARD DRIVE OCOEE, FL 34761 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $298 | $9 | $307 | 1.79% |
| MJ INSURANCE3 Filed as: JOHN PICCININI AND VARIOUS AGENTS | 425 WEST COLONIAL DRIVE, SUITE 304 ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $158 | $108 | $266 | 1.55% |
| FRINGE BENEFIT PLANS INC3 | 2211 LEE ROAD WINTER PARK, FL 32789 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $219 | $0 | $219 | 1.28% |
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 | 109 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 210 | $195K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 210 | $195K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 210 | $195K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 210 | $195K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 210 | $195K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 210 | $212K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.