| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOM L CARR3 | 10501 6 MILE CYPRESS PKWY STE 101 FORT MYERS, FL 33966 | KAISER FOUNDATION HEALTH PLAN INC | $28K | $0 | $28K | 3.20% |
| HERNDON CARR & CO3 | 10501 SIX MILE CYPRESS PKWY #101 FT MYERS, FL 33966 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $51K | $0 | $51K | 10.00% |
| HERNDON CARR & CO3 | 10501 SIX MILE CYPRESS PKWY #101 FORT MYERS, FL 33966 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $33K | $0 | $33K | 10.00% |
| ANNALIESE CLARK3 | 1336 HIDEWAY DR S SAINT JOHNS, FL 32259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17K | $367 | $17K | 6.31% |
| CYNTHIA LERNER RUBIN3 | 445 DOCKSIDE DR NAPLES, FL 34110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $14 | $10K | 3.62% |
| MALLIBIS FERNANDEZ3 | 1842 41ST TER SW NAPLES, FL 34116 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $313 | $3K | 1.23% |
| LISETTE M HERNANDEZ3 | 1842 41ST TERRACE SW NAPLES, FL 34116 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $630 | $3K | $3K | 1.19% |
| DUPUY & ASSOCIATES INC3 Filed as: DUPUY & ASSOCIATES | PO BOX 1131 ESTERO, FL 33928 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $822 | $0 | $822 | 0.31% |
| OWENS EMPLOYEE BENEFITS OF FLORIDA3 | 13650 FIDDLESTICKS BLVD FORT MYERS, FL 33912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $284 | $527 | $811 | 0.30% |
| ESTATE OF DIANNA L. CHAMBERS3 Filed as: ESTATE OF DIANNA L CHAMBERS | 305 HERITAGE MILL DRIVE ST AUGUSTINE, FL 32084 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $727 | $0 | $727 | 0.27% |
| NORTH FLORIDA BROKER SOLUTIONS LLC3 | 1550 HARRINGTON PARK DRIVE JACKSONVILLE, FL 32225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $502 | $33 | $535 | 0.20% |
| NOEL PERRY CLARK3 | 37205 SOUTHERN GLEN WAY HILLIARD, FL 32046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $280 | $0 | $280 | 0.10% |
| ALYSON MARIE MCMAHON3 Filed as: ALYSON MARIE MCHMAHON | 2127 GRASSY BASIN CT JACKSONVILLE, FL 32224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $256 | $0 | $256 | 0.10% |
| NELSON BENEFITS GROUP LLC3 | 35054 KAREN RD CALLAHAN, FL 32011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $235 | $0 | $235 | 0.09% |
| VB SOLUTIONS LLC3 | 7111 NE 222ND ST MELROSE, FL 32666 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $201 | $0 | $201 | 0.08% |
| ROBERT BAXTER3 | 2739 VIA PIAZZA LOOP FT MYERS, FL 33905 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $103 | $0 | $103 | 0.04% |
| GRS INC3 | 3278 TAHOE COURT NAPLES, FL 34119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | $0 | $48 | 0.02% |
| MORFAR STRATEGIES INC3 | 6990 GRIFFIN ROAD DAVIE, FL 33314 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | ATTN LOCKBOX 201629 IRVING, TX 75063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.00% |
| JUDITH ANN ALLEY3 | 677 S PENDLETON AVE PENDLETON, IN 46064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.00% |
| JESSE DUANE DAVIS3 | 2164 UNITY TRAIL NW MARIETTA, GA 30064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| STALTARE BENEFITS INC3 | 700 E ATLANTIC BLVD POMPANO BEACH, FL 33060 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| CREATIVE BENEFIT CONSULTANTS INC3 Filed as: CREATIVE BENEFITS CONSULTANTS INC | 18214 102ND WAY S BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| STEVEN VERMETTE INC3 | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| SHEALY BENEFITS SERVICES INC3 | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| HERNDON CARR & CO3 | 10501 SIX MILE CYPRESS PKWY #101 FORT MYERS, FL 33966 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | $0 | $18K | 10.00% |
| ANNALIESE CLARK3 | 1336 HIDEWAY DR S SAINT JOHNS, FL 32259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $160 | $6K | 8.06% |
| CYNTHIA LERNER RUBIN3 | 445 DOCKSIDE DR NAPLES, FL 34110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $7 | $3K | 4.32% |
| MALLIBIS FERNANDEZ3 | 1842 41ST TER SW NAPLES, FL 34116 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $143 | $1K | 1.98% |
| LISETTE M HERNANDEZ3 | 1842 41ST TERRACE SW NAPLES, FL 34116 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $101 | $409 | $510 | 0.68% |
| OWENS EMPLOYEE BENEFITS OF FLORIDA3 | 13650 FIDDLESTICKS BLVD. FORT MYERS, FL 33912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $101 | $188 | $289 | 0.38% |
| ESTATE OF DIANNA L. CHAMBERS3 Filed as: ESTATE OF DIANA L CHAMBERS | 305 HERITAGE MILL DRIVE ST AUGUSTINE, FL 32084 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $268 | $0 | $268 | 0.36% |
| DUPUY & ASSOCIATES INC3 | PO BOX 1131 ESTERO, FL 33928 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $222 | $0 | $222 | 0.29% |
| NORTH FLORIDA BROKER SOLUTIONS LLC3 | 1550 HARRINGTON PARK DRIVE JACKSONVILLE, FL 32225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $152 | $11 | $163 | 0.22% |
| ALYSON MARIE MCMAHON3 | 2127 GRASSY BASIN CT JACKSONVILLE, FL 32224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74 | $0 | $74 | 0.10% |
| JUDITH ANN ALLEY3 | 677 S PENDLETON AVE PENDLETON, IN 46064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | $0 | $58 | 0.08% |
| NELSON BENEFITS GROUP LLC3 | 35054 KAREN RD CALLAHAN, FL 32011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | $0 | $52 | 0.07% |
| VB SOLUTIONS LLC3 | 7111 NE 222 ST MELROSE, FL 32666 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | $0 | $48 | 0.06% |
| ROBERT BAXTER3 | 2739 VIA PIAZZA LOOP FT MYERS, FL 33905 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | $0 | $42 | 0.06% |
| NOEL PERRY CLARK3 | 37205 SOUTHERN GLEN WAY HILLIARD, FL 32046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $0 | $20 | 0.03% |
| JULIET A BRUNO3 | 3926 COUNTRY CLUB BLVD CAPE CORAL, FL 33904 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 0.02% |
| GRS INC3 | 3278 TAHOE COURT NAPLES, FL 34119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.01% |
| MORFAR STRATEGIES INC3 Filed as: MORFAR STRATEGIES INC. | 6990 GRIFFIN ROAD DAVIE, FL 33314 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| ANNALIESE CLARK3 | 1336 HIDEAWAY DR S SAINT JOHNS, FL 32259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $83 | $5K | 6.67% |
| CYNTHIA LERNER RUBIN3 | 445 DOCKSIDE DR NAPLES, FL 34110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $4 | $2K | 3.10% |
| ESTATE OF DIANNA L. CHAMBERS3 Filed as: ESTATE OF DIANA L CHAMBERS | 305 HERITAGE MILL DRIVE ST AUGUSTINE, FL 32084 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $515 | $0 | $515 | 0.74% |
| MALLIBIS FERNANDEZ3 | 1842 41ST TER SW NAPLES, FL 34116 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $453 | $48 | $501 | 0.72% |
| LISETTE M HERNANDEZ3 | 1842 41ST TERRACE SW NAPLES, FL 34116 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | $138 | $172 | 0.25% |
| OWENS EMPLOYEE BENEFITS OF FLORIDA3 | 13650 FIDDLESTICKS BLVD FORT MYERS, FL 33912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | $63 | $97 | 0.14% |
| JUDITH ANN ALLEY3 | 677 S PENDLETON AVE PENDLETON, IN 46064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $93 | $0 | $93 | 0.13% |
| DUPUY & ASSOCIATES INC3 | PO BOX 1131 ESTERO, FL 33928 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $92 | $0 | $92 | 0.13% |
| NORTH FLORIDA BROKER SOLUTIONS LLC3 | 1550 HARRINGTON PARK DRIVE JACKSONVILLE, FL 32225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | $2 | $65 | 0.09% |
| JULIET A BRUNO3 | 3926 COUNTRY CLUB BLVD CAPE CORAL, FL 33904 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | $0 | $64 | 0.09% |
| ALYSON MARIE MCMAHON3 | 2127 GRASSY BASIN CT JACKSONVILLE, FL 32224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | $0 | $36 | 0.05% |
| NELSON BENEFITS GROUP LLC3 | 35054 KAREN RD CALLAHAN, FL 32011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | $0 | $30 | 0.04% |
| VB SOLUTIONS LLC3 | 7111 NE 222 ST MELROSE, FL 32666 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | $0 | $30 | 0.04% |
| GRS INC3 | 3278 TAHOE COURT NAPLES, FL 34119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | $0 | $29 | 0.04% |
| NOEL PERRY CLARK3 | 37205 SOUTHERN GLEN WAY HILLIARD, FL 32046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.02% |
| ROBERT BAXTER3 | 2739 VIA PIAZZA LOOP FT MYERS, FL 33905 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 0.02% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2619 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| JESSE DUANE DAVIS3 | 2164 UNITY TRAIL NW MARIETTA, GA 30064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| MORFAR STRATEGIES INC3 Filed as: MORFAR STRATEGIES | 6990 GRIFFIN ROAD DAVIE, FL 33314 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| LISETTE M HERNANDEZ3 | 1842 41ST TERRACE SW NAPLES, FL 34116 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $626 | $3K | $3K | 10.30% |
| ANNALIESE CLARK3 | 1336 HIDEAWAY DR S SAINT JOHNS, FL 32259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $80 | $3K | 8.88% |
| CYNTHIA LERNER RUBIN3 | 445 DOCKSIDE DR NAPLES, FL 34110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $4 | $2K | 5.93% |
| OWENS EMPLOYEE BENEFITS OF FLORIDA3 | 13650 FIDDLESTICKS BLVD FORT MYERS, FL 33912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $100 | $186 | $286 | 0.93% |
| MALLIBIS FERNANDEZ3 | 1842 41ST TER SW NAPLES, FL 34116 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $96 | $10 | $106 | 0.35% |
| ESTATE OF DIANNA L. CHAMBERS3 Filed as: ESTATE OF DIANNA L CHAMBERS | 305 HERITAGE MILL DRIVE ST AUGUSTINE, FL 32084 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $89 | $0 | $89 | 0.29% |
| DUPUY & ASSOCIATES INC3 | PO BOX 1131 ESTERO, FL 33928 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $73 | $0 | $73 | 0.24% |
| NORTH FLORIDA BROKER SOLUTIONS LLC3 | 1550 HARRINGTON PARK DRIVE JACKSONVILLE, FL 32225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | $1 | $30 | 0.10% |
| NELSON BENEFITS GROUP LLC3 | 35054 KAREN RD CALLAHAN, FL 32011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | $0 | $29 | 0.09% |
| NOEL PERRY CLARK3 | 37205 SOUTHERN GLEN WAY HILLIARD, FL 32046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $0 | $20 | 0.07% |
| VB SOLUSTIONS LLC3 | 7111 NE 222ND ST MELROSE, FL 32666 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.06% |
| ROBERT BAXTER3 | 2739 VIA PIAZZA LOOP FT MYERS, FL 33905 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.06% |
| ALYSON MARIE MCMAHON3 | 2127 GRASSY BASIN CT JACKSONVILLE, FL 32224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $0 | $17 | 0.06% |
| GRS INC3 | 3278 TAHOE COURT NAPLES, FL 34119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.03% |
| JUDITH ANN ALLEY3 | 677 S PENDLETON AVE PENDLETON, IN 46064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.01% |
| MORFAR STRATEGIES INC3 | 6990 GRIFFIN ROAD DAVIE, FL 33314 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| ANNALIESE CLARK3 | 1336 HIDEWAY DR S SAINT JOHNS, FL 32259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | $0 | $50 | 1.64% |
| ESTATE OF DIANNA L. CHAMBERS3 Filed as: ESTATE OF DIANNA L CHAMBERS | 305 HERITAGE MILL DRIVE ST AUGUSTINE, FL 32084 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $0 | $23 | 0.76% |
| ALYSON MARIE MCMAHON3 Filed as: ALYSON MARIE MCHMAHON | 2127 GRASSY BASIN CT JACKSONVILLE, FL 32224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.20% |
| NORTH FLORIDA BROKER SOLUTIONS LLC3 | 1550 HARRINGTON PARK DRIVE JACKSONVILLE, FL 32225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.20% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA EIN 59-2015694 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 4800 DEERWOOD CAMPUS PARKWAY JACKSONVILLE, FL 32246 | $1.8M |
| GUARDIAN LIFE INSURANCE COMPANY EIN 13-5123390 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 7 HANOVER SQUARE NEW YORK, NY 10004 | $183K |
| HERNDON CARR AND COMPANY EIN 59-2414511 INSURANCE AGENT/BROKERS | Insurance agents and brokers Service code 22 | 1501-6 MILE CYPRESS PKWY #101 FORT MYERS, FL 33966 | $174K |
| HERNDON CARR & COMPANY EIN 59-2414511 CONSULTING (GENERAL) | Consulting (general) Service code 16 | 10501 SIX MILE CYPRESS PKWY #101 FORT MYERS, FL 33966 | $0 |
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 | 3,123 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 139 | $885K |
| Life insurance(6 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 3,123 | $623K |
| Short-term disability(5 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 318 | $446K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,121 | $329K |
| Other(7 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,123 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,123 | — |
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.