| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC. | 1855 W. STATE ROAD 434 LONGWOOD, FL 32750 | THE GUARDIAN INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 4.39% |
| BERNIE FALCO3 | 1855 W. STATE ROAD 434 LONGWOOD, FL 32750 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 10.30% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC. | 1855 W. STATE ROAD 434 LONGWOOD, FL 32750 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $178 | $2 | $180 | 8.64% |
| WORKSITE BENEFITS SOLUTION LLC3 | 323 PLEASANT STREET KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $106 | $5 | $111 | 5.33% |
| SARAH WEYMOUTH3 | 306 MAPLE AVENUE KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 2.11% |
| BARBARA C BRENLOVE3 Filed as: BARBARA BRENLOVE | P.O. BOX 470701 CELEBRATION, FL 34747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 1.01% |
| GINAKES & ASSOCIATES LLC3 | 1020 W. INTERNATIONAL SPEEDWAY DAYTONA BEACH, FL 32114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.86% |
| VINSON K ELLENBERG3 Filed as: VINSON K. ELLENBERG | 905 ADAIR AVENUE NE ATLANTA, GA 30306 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.58% |
| CARUSO INSURANCE BENEFITS INC3 Filed as: CARUSO INSURANCE BENEFITS INC. | 10872 WILDERNESS COURT ORLANDO, FL 32821 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.43% |
| JENNIFER R EVANS3 Filed as: JENNIFER EVANS | 2940 OAKTREE DRIVE KISSIMMEE, FL 34744 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.19% |
| SUSAN GOLD STOKES3 Filed as: SUSAN STOKES | 3113 W. 187TH PLACE TORRANCE, CA 90504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.14% |
| JOEY MIGUES3 Filed as: JOEY GRUBBS BENEFITS LLC | 4527 ARGULE LANE TALLAHASSEE, FL 32309 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.14% |
| ROBERT SHAVERS3 | 1537 COLONY AVENUE KISSIMMEE, FL 34744 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.10% |
| KENNETH A HOLDER3 Filed as: KENNETH A. HOLDER | 638 LAKEHAVEN CIRCLE ORLANDO, FL 32828 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.10% |
| WORKPLACE BENEFIT SOLUTIONS LLC3 Filed as: WORKPLACE BENEFITS SOLUTION LLC | 80 SHADOW LANE LAKELAND, FL 33813 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.10% |
| CARLA BURWELL3 | 446 EATON ROAD BIRMINGHAM, FL 35242 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.10% |
| JILL R LAMBERT3 Filed as: JILL DICE-MALGIER | 17 MIDBRIDGE DRIVE MEDFORD, NJ 08055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.10% |
| THE CLARK GROUP OF SC3 | 589 WINDMERE DRIVE LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.05% |
| JULIE ANN MEADE3 | 63 REGENCY PLACE HAYWARD, CA 94544 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.05% |
| STACEY DIANE QUANCE3 Filed as: STACEY DIANCE QUANCE | 5682 RIVER OAKES PLACE ATLANTA, GA 30327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.05% |
| BERNIE FALCO3 | 1855 W. STATE ROAD 434 LONGWOOD, FL 32750 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $66K | — | $66K | — |
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 | 1,165 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN INSURANCE COMPANY OF AMERICA | 805 | $135K |
| Vision | THE GUARDIAN INSURANCE COMPANY OF AMERICA | 805 | $135K |
| Life insurance | THE HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 952 | $1.0M |
| Short-term disability | THE HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 952 | $1.0M |
| Long-term disability | THE HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 952 | $1.0M |
| Other(4 contracts, 3 carriers) | THE HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 952 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 952 | — |
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.