| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORENO FINANCIAL SERVICES, INC.3 Filed as: MORENO FINANCIAL SERVICES INC | 111 NORTH MAGNOLIA AVENUE SUITE 1025 ORLANDO, FL 32801 | UNITEDHEALTHCARE INSURANCE COMPANY | $26K | $60K | $86K | 3.41% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE AGENCY INC | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $25K | $30K | 1.20% |
| NORWOOD BENEFIT SERVICES INC3 | 6478 LONG BREEZE ROAD ORLANDO, FL 32810 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12K | $2K | $14K | 7.46% |
| ELIZABETH SCHENK3 Filed as: ELIZABETH MORENO-HARAMBOURE | 8581 SUMMERVILLE PLACE ORLANDO, FL 32810 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11K | — | $11K | 6.00% |
| WILLIAM RENNARD3 | 3001 ALOMA AVENUE WINTER PARK, FL 32792 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $908 | $4K | 2.10% |
| MJ INSURANCE3 Filed as: REUBEN F. JACOBS AND VARIOUS AGENTS | 868 LAKE JACKSON CIRCLE APOPKA, FL 32703 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $472 | $3K | 1.79% |
| LATINSURANCE INC3 | 969 HIGHPOINT LOOP LONGWOOD, FL 32750 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.06% |
| ODETTA ELIZABETH DANIELS3 | 3369 WALLER PLACE ORLANDO, FL 32805 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $286 | $2K | 0.89% |
| NANCY BENNETT & ASSOCIATES INC3 | SJO 84626 MIAMI, FL 33126 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.71% |
| NORWOOD BENEFIT SERVICES INC3 | 6478 LONGBREEZE RD ORLANDO, FL 32810 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $809 | $6K | 7.57% |
| ELIZABETH SCHENK3 Filed as: ELIZABETH MORENO-HARAMBOURE | 8581 SUMMERVILLE PL ORLANDO, FL 32819 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 6.29% |
| WILLIAM RENNARD3 | 3001 ALOMA AVE WINTER PARK, FL 32792 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $427 | $2K | 2.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BEVERLY DIANA HENRY-BROWN | 709 SUNBURST COVE LANE WINTER GARDEN, FL 34787 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $758 | $244 | $1K | 1.25% |
| LATINSURANCE INC3 | 969 HIGHPOINT LOOP LONGWOOD, FL 32750 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $982 | — | $982 | 1.23% |
| ODETTA ELIZABETH DANIELS3 | 3369 WALLER PLACE ORLANDO, FL 32805 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $814 | $167 | $981 | 1.22% |
| REUBEN F JACOBS JR3 | 868 LAKE JACKSON CIRCLE APOPKA, FL 32703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $673 | $6 | $679 | 0.85% |
| NANCY BENNETT & ASSOCIATES INC3 | SJO 84626 MIAMI, FL 33126 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $502 | — | $502 | 0.63% |
| KAREN PICCININI3 | 425 W COLONIAL DR ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $147 | $56 | $203 | 0.25% |
| STEVEN VERMETTE INC3 Filed as: STEVEN VERNETTE INC | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | — | $50 | 0.06% |
| GENEVIEVE CARELLI3 | 547 CLEO LANE DELTONA, FL 32792 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.02% |
| MORENO FINANCIAL SERVICES, INC.3 Filed as: MORENO FINANCIAL SERVICES INC | 111 NORTH MAGNOLIA AVENUE SUITE 1025 ORLANDO, FL 32801 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 6.12% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | HUMANA INSURANCE COMPANY | $524 | — | $524 | 2.10% |
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 | 294 | 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) | 294 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 749 | $2.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 749 | $2.5M |
| Vision | HUMANA INSURANCE COMPANY | 306 | $25K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 749 | $2.5M |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 749 | $2.5M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 749 | $2.5M |
| Other(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 749 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 749 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.