| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, SE STE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $18K | $114K | $132K | 4.35% |
| NORWOOD BENEFIT SERVICES INC3 | 6478 LONG BREEZE ROAD ORLANDO, FL 32810 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $662 | $6K | 5.33% |
| ELIZABETH SCHENK3 Filed as: ELIZABETH MORENO-HARAMBOURE | 8581 SUMMERVILLE PLACE ORLANDO, FL 32810 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 4.77% |
| WILLIAM RENNARD3 | 3001 ALOMA AVENUE WINTER PARK, FL 32792 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $649 | $2K | 1.91% |
| HORACE G SKINNER3 | 331 FALLING LEAF WAY CASSELBERRY, FL 32707 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $869 | — | $869 | 0.80% |
| NANCY BENNETT & ASSOCIATES INC3 | SJO 84626 MIAMI, FL 33126 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $755 | — | $755 | 0.69% |
| REUBEN F JACOBS JR3 Filed as: REUBEN F. JACOBS JR | 868 LAKE JACKSON CIRCLE APOPKA, FL 32703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $718 | — | $718 | 0.66% |
| ANGEL GABRIEL VELAZQUEZ-DIAZ3 | 2022 ESTANCIA CIR KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $431 | $116 | $547 | 0.50% |
| GIOMARIS IRIZARRY-SANTIAGO3 | 14238 FREDRICKSBURG DR #320 ORLANDO, FL 32837 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | $64 | $122 | 0.11% |
| LATINSURANCE INC3 | 969 HIGHPOINT LOOP LONGWOOD, FL 32750 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $87 | — | $87 | 0.08% |
| STEVEN VERMETTE INC3 Filed as: STEVEN VERNETTE INC | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | — | $49 | 0.05% |
| ODETTA ELIZABETH DANIELS3 | 3369 WALLER PLACE ORLANDO, FL 32805 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | $2 | $41 | 0.04% |
| GENEVIVE CARELLI3 | 547 CLEO LANE DELTONA, FL 32792 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 0.03% |
| CORCORAN & HOYT LLC3 | 206 3RD AVENUE NORTH SAFETY HARBOR, FL 34695 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $16 | $36 | 0.03% |
| BONNIE J WENDELL3 | 2555 PALM AVE OVIEDO, FL 32765 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | $0 | $28 | 0.03% |
| JARRETT HONAHAN3 Filed as: JARRETT THOMAS HONAHAN | 7 HARBOR OAKS CIRCLE SAFETY HARBOR, FL 34695 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $5 | $17 | 0.02% |
| KAREN PICCININI3 | 425 W COLONIAL DR ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $1 | $14 | 0.01% |
| EMPLOYEE BENEFITS GROUP OF FLORIDA3 | 13750 W. COLONIAL DRIVE WINTER GARDEN, FL 34787 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $5 | $9 | 0.01% |
| MARCOS MATOS3 | 4417 13TH STREET ST. CLOUD, FL 34769 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $5 | $9 | 0.01% |
| 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 | $6 | — | $6 | 0.01% |
| SAMUEL K RENNARD3 | 1409 ALLISON AVE ALTAMONTE SPGS, FL 32701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| NORWOOD BENEFIT SERVICES INC3 | 6478 LONGBREEZE RD ORLANDO, FL 32810 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $536 | $5K | 5.95% |
| ELIZABETH SCHENK3 Filed as: ELIZABETH MORENO-HARAMBOURE | 8581 SUMMERVILLE PL ORLANDO, FL 32819 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 4.85% |
| WILLIAM RENNARD3 | 3001 ALMO AVE WINTER PARK, FL 32792 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $544 | $2K | 2.12% |
| REUBEN F JACOBS JR3 | 868 LAKE JACKSON CIRCLE APOPKA, FL 32703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $742 | — | $742 | 0.95% |
| NANCY BENNETT & ASSOCIATES INC3 | SJO 84626 MIAMI, FL 33126 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $453 | — | $453 | 0.58% |
| GIOMARIS IRIZARRY-SANTIAGO3 Filed as: GIOMARIS IRIZARRY-SANTIGO | 14238 FREDRICKSBURG DR #320 ORLANDO, FL 32837 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $196 | $218 | $414 | 0.53% |
| HORACE G SKINNER3 | 331 FALLING LEAF WAY CASSELBERRY, FL 32707 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $336 | — | $336 | 0.43% |
| ANGEL GABRIEL VELAZQUEZ-DIAZ3 | 2022 ESTANCIA CIR KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $232 | $62 | $294 | 0.38% |
| LATINSURANCE INC3 | 969 HIGHPOINT LOOP LONGWOOD, FL 32750 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $109 | — | $109 | 0.14% |
| ODETTA ELIZABETH DANIELS3 | 3369 WALLER PLACE ORLANDO, FL 32805 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | $3 | $61 | 0.08% |
| 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 | $60 | — | $60 | 0.08% |
| STEVEN VERMETTE INC3 Filed as: STEVEN VERNETTE INC | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | — | $45 | 0.06% |
| EMPLOYEE BENEFITS GROUP OF FLORIDA3 | 13750 W COLONIAL DRIVE WINTER GARDEN, FL 34787 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $17 | $32 | 0.04% |
| MARCOS MATOS3 | 4417 13TH STREET ST. CLOUD, FL 34769 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $17 | $29 | 0.04% |
| CORCORAN & HOYT LLC3 Filed as: CORCORAN & HOYT | 206 3RD AVENUE NORTH SAFETY HARBOR, FL 34695 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $9 | $20 | 0.03% |
| GENEVIEVE CARELLI3 | 547 CLEO LANE DELTONA, FL 32792 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.02% |
| KAREN PICCININI3 | 425 W COLONIA DR ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $1 | $17 | 0.02% |
| JARRETT HONAHAN3 Filed as: JARRETT THOMAS HONAHAN | 7 HARBOR OAKS CIRCLE SAFETY HARBOR, FL 34695 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $2 | $8 | 0.01% |
| MORENO FINANCIAL SERVICES, INC.3 Filed as: MORENO FINANCIAL SERVICES | 111 NORTH MAGNOLIA AVENUE SUITE 1025 ORLANDO, FL 32801 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 8.55% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE INC - GA | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 303395946 | HUMANA INSURANCE COMPANY | $2K | $1K | $3K | 12.45% |
| NORWOOD BENEFIT SERVICES INC3 | 6478 LONGBREEZE RD ORLANDO, FL 32810 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $727 | $4K | 18.60% |
| ELIZABETH SCHENK3 Filed as: ELIZABETH MORENO-HARAMBOURE | 8581 SUMMERVILLE PL ORLANDO, FL 32819 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 12.03% |
| WILLIAM RENNARD3 | 3001 ALMO AVE WINTER PARK, FL 32792 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $814 | $768 | $2K | 6.81% |
| HORACE G SKINNER3 | 331 FALLING LEAF WAY CASSELBERRY, FL 32707 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $971 | — | $971 | 4.18% |
| REUBEN F JACOBS JR3 | 868 LAKE JACKSON CIRCLE APOPKA, FL 32703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $856 | — | $856 | 3.69% |
| GIOMARIS IRIZARRY-SANTIAGO3 | 14238 FREDRICKSBURG DR #320 ORLANDO, FL 32837 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $338 | $374 | $712 | 3.07% |
| EMPLOYEE BENEFITS GROUP OF FLORIDA3 | 13750 W. COLONIAL DRIVE WINTER GARDEN, FL 34787 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $30 | $55 | 0.24% |
| MARCOS MATOS3 | 4417 13TH STREET ST. CLOUD, FL 34769 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $29 | $54 | 0.23% |
| ODETTA ELIZABETH DANIELS3 | 3369 WALLER PLACE ORLANDO, FL 32805 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $1 | $28 | 0.12% |
| SABRINA S RAMOS3 | 13750 W. COLONIAL DR WINTER GARDEN, FL 34787 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $3 | $8 | 0.03% |
| NANCY BENNETT & ASSOCIATES INC3 | SJO 84626 MIAMI, FL 33126 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
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 | 369 | 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) | 369 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 432 | $3.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 432 | $3.0M |
| Vision | HUMANA INSURANCE COMPANY | 275 | $28K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 505 | $74K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 505 | $74K |
| Other(4 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 505 | $284K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 505 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.