| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $35K | $35K | 4.87% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | SUN LIFE ASSURANCE COMPANY OF CANADA | $33K | — | $33K | 4.59% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $12K | $12K | 4.76% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SE, LLC | UNKNOWN WINTER HAVEN, FL 33884 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $6K | $6K | 2.52% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN AND OTHER AGENTS | 1933 STATE ROUTE 35 WALL, NJ 07719 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $334 | $4K | 15.48% |
| USI INSURANCE SERVICES LLC3 | 1715 NORTH WESTSHORE BOULEVARD TAMPA, FL 33607 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $198 | $3K | 13.61% |
| ANDERSON BENEFIT SOLUTIONS3 | 3821 LAKE PADGETT DRIVE LAND O LAKES, FL 34639 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $472 | $2K | 7.12% |
| CHOICE BENEFITS SOLUTIONS LLC3 Filed as: CHOICE BENEFITS SOLUTIONS, LLC | 11399 81ST PLACE SEMINOLE, FL 33772 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $615 | $862 | $1K | 5.87% |
| FMCY CONSULTANT LLC3 Filed as: FMCY CONSULTANT, LLC | 9012 JACK UNDERWOOD ROAD CLERMONT, FL 34711 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 4.28% |
| JAQUELYN LORETTA CARTER3 | 4416 LARKFIELD LANE TAMPA, FL 33624 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 4.03% |
| THE MEEHAN AGENCY LLC3 Filed as: THE MEEHAN AGENCY, LLC | 1924 DOWN HOLLOW LANE WINDERMERE, FL 34786 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $921 | $75 | $996 | 3.96% |
| ANDERSON BENEFIT SOLUTIONS3 | 3821 LAKE PADGETT DRIVE LAND O LAKES, FL 34639 | THE PAUL REVERE LIFE INSURANCE COMPANY | $42 | $85 | $127 | 46.52% |
| CHOICE BENEFITS SOLUTIONS LLC3 Filed as: CHOICE BENEFITS SOLUTIONS, LLC | 11399 81 STREET PLACE SEMINOLE, FL 33772 | THE PAUL REVERE LIFE INSURANCE COMPANY | $8 | $2 | $10 | 3.66% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 WALL, NJ 07719 | THE PAUL REVERE LIFE INSURANCE COMPANY | $6 | $0 | $6 | 2.20% |
| JAQUELYN LORETTA CARTER3 | 4416 LARKFIELD LANE TAMPA, FL 33624 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5 | $0 | $5 | 1.83% |
| HEIL BUSINESS SOLUTIONS CORPORATION3 | 3909 SHORESIDE CIRCLE TAMPA, FL 33624 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5 | $0 | $5 | 1.83% |
| COACH CONCEPTS INC3 Filed as: COACH CONCEPTS, INC. | 5655 OAKHURST DRIVE SEMINOLE, FL 33772 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.37% |
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 | 518 | 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) | 518 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 258 | $254K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 518 | $726K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 518 | $726K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 518 | $726K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 518 | $726K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 518 | $726K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 258 | $254K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 518 | $751K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 518 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.