| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | PRINCIPAL LIFE INSURANCE COMPANY | $16K | — | $16K | 8.39% |
| INSURANCE OFFICE OF AMERICA3 | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $6K | $14K | 7.32% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA, INC. | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 6.63% |
| KAREN PICCININI3 | 425 WEST COLONIAL DRIVE ORLANDO, FL 32804 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $952 | $229 | $1K | 6.62% |
| ALLEGIANT BENEFITS & SERVICES LLC3 Filed as: ALLEGIANT BENEFITS & SERVICES, LLC | 7512 DRIVE PHILLIPS BOULEVARD ORLANDO, FL 32819 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $542 | $126 | $668 | 3.74% |
| ALYSON MARIE MCMAHON3 | 2127 GRASSY BASIN COURT JACKSONVILLE, FL 32224 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $239 | $109 | $348 | 1.95% |
| FRINGE BENEFIT PLANS INC3 Filed as: FRINGE BENEFIT PLANS, INC. | 2211 LEE ROAD WINTER PARK, FL 32789 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $159 | — | $159 | 0.89% |
| LOCKTON COMPANIES, LLC3 | 2640 GOLDEN GATE PARKWAY NAPLES, FL 34105 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $136 | — | $136 | 0.76% |
| JEFFERY TAL WEBB3 Filed as: JEFFERY F BARNETT | 8840 DARLENE DRIVE ORLANDO, FL 32836 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $31 | $78 | $109 | 0.61% |
| HEATHER WOMBLE LLC3 Filed as: HEATHER WOMBLE, LLC | 2409 PIRATE COURT JACKSONVILLE, FL 32224 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $28 | $70 | $98 | 0.55% |
| JOHN PICCININI3 | 425 WEST COLONIAL DRIVE, SUITE 304 ORLANDO, FL 32804 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $85 | — | $85 | 0.48% |
| PHYLLIS P VOSS3 | 449 DOUGLAS EDWARD DRIVE OCOEE, FL 34761 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $64 | — | $64 | 0.36% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MAGELLAN RX MANAGEMENT, LLC EIN 46-3708039 PHARMACY BENEFIT MGMT. | Direct payment from the plan; Other fees; Claims processing Service code 12 | — | $10K |
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 | 198 | 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) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 198 | $190K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 198 | $190K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 198 | $190K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 198 | $190K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 198 | $190K |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 31 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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 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.