| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON HEWITT | UNKNOWN LEWISVILLE, TX 75067 | DELTA DENTAL INSURANCE COMPANY | $19K | $0 | $19K | 6.16% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | DELTA DENTAL INSURANCE COMPANY | $6K | $0 | $6K | 1.94% |
| AON CONSULTING INC3 Filed as: AON HEWITT | PO BOX 905494 CHARLOTTE, NC 28290 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $28K | $0 | $28K | 9.69% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 3.20% |
| AON CONSULTING INC3 Filed as: AON HEWITT | UNKNOWN LEWISVILLE, TX 75067 | HM LIFE INSURANCE COMPANY | $5K | $0 | $5K | 7.59% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HM LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.41% |
| TRILOGY BENEFITS CONSULTING LLC3 | 5908 HAMMOCK WOODS DRIVE ODESSA, FL 33556 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $350 | $4K | 8.29% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 29840 NETWORK PLACE CHICAGO, IL 60673 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 8.26% |
| CORCORAN & HOYT LLC3 Filed as: CORCORAN AND HOYT LLC | 12505 BRONCO DRIVE TAMPA, FL 33624 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $462 | $2K | 3.29% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | DBA HUB INTERNATIONAL FLORIDA CLEARWATER, FL 33757 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $66 | $2K | 3.20% |
| DANIELS SOLUTIONS LLC3 | 4941 POMPANO DRIVE NEW PORT RICHEY, FL 34652 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $622 | $799 | $1K | 3.00% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH ELIZABETH MAXWELL | 1036 GRANADA STREET CLEARWATER, FL 33755 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $605 | $113 | $718 | 1.52% |
| MJ INSURANCE3 Filed as: HEIL BUS SLTNS AND VARIOUS AGENTS | 5911 85TH TERRACE NORTH PINELLAS, FL 33781 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $574 | $109 | $683 | 1.44% |
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 | 665 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 67 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 734 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 775 | $314K |
| Vision | HM LIFE INSURANCE COMPANY | 722 | $60K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 666 | $293K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 666 | $293K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 666 | $293K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 666 | $340K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 775 | — |
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.