| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | PO BOX 1027 CLEARWATER, FL 33757 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 4.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC. | 2045 14TH AVE VERO BEACH, FL 32960 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4 | — | $4 | 0.00% |
| TRIOLOGY BENEFITS CONSULTING LLC3 Filed as: TRIOLOGY BENEFITS CONSULTING, LLC | 5908 HAMMOCK WOODS DRIVE ODESSA, FL 33556 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 4.51% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 1450 BRICKELL AVENUE MIAMI, FL 33131 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 3.75% |
| HEIL BUSINESS SOLUTIONS CORPORATION3 | 4921 PENNSBURY DRIVE TAMPA, FL 33624 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $698 | $3K | 3.25% |
| TAMARA ANN BUSCHER3 Filed as: TAMARA GAIL COPELAND | PO BOX 243 LAND O LAKES, FL 34639 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $268 | $2K | 1.89% |
| MJ INSURANCE3 Filed as: FELTER INC. AND VARIOUS AGENTS | 5403 COMMONWEALTH AVENUE WESTERN SPRINGS, IL 60558 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $396 | $2K | 1.40% |
| WILLIAM E GECEWICZ3 Filed as: WILLIAM E. GECEWICZ | 11113 LAKESIDE VISTA DRIVE RIVERVIEW, FL 33569 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $213 | $1K | 1.15% |
| CHOICE BENEFIT SOLUTIONS INC3 Filed as: CHOICE BENEFIT SOLUTIONS, INC. | 525 CAPRI BOULEVARD TREASURE ISLAND, FL 33706 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $981 | — | $981 | 0.91% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL FLORIDA | 600 CLEVELAND ST STE 600 CLEARWATER, FL 33755 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 600 CLEVELAND STREET, SUITE 600 CLEARWATER, FL 33755 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 4211 WEST BOY SCOUT BOULEVARD SUITE 1000 TAMPA, FL 33607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $291 | $291 | 0.72% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL SOUTHEAST | 600 CLEVELAND STREET SUITE 600 CLEARWATER, FL 33755 | EYEMED VISION CARE | $357 | $2K | $2K | 9.19% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL FLORIDA | 600 CLEVELAND ST STE 600 CLEARWATER, FL 33755 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 1450 BRICKELL AVENUE MIAMI, FL 33131 | THE PAUL REVERE LIFE INSURANCE COMPANY | $183 | — | $183 | 2.49% |
| HEIL BUSINESS SOLUTIONS CORPORATION3 | 4921 PENNSBURY DRIVE TAMPA, FL 33624 | THE PAUL REVERE LIFE INSURANCE COMPANY | $66 | — | $66 | 0.90% |
| CHOICE BENEFIT SOLUTIONS INC3 Filed as: CHOICE BENEFIT SOLUTIONS INC. | 525 CAPRI BOULEVARD TREASURE ISLAND, FL 33706 | THE PAUL REVERE LIFE INSURANCE COMPANY | $63 | — | $63 | 0.86% |
| ERNIE VITOLO3 | 232 NORTH ALBANY AVENUE MASSAPEQUA, NY 11758 | THE PAUL REVERE LIFE INSURANCE COMPANY | $47 | — | $47 | 0.64% |
| CATHERINE MONTELEONE3 | 7 NORMANDY COURT COMMACK, NY 11725 | THE PAUL REVERE LIFE INSURANCE COMPANY | $25 | $1 | $26 | 0.35% |
| STEVEN VERMETTE INC3 Filed as: STEVEN VERMETTE INC & OTHER AGENTS | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | THE PAUL REVERE LIFE INSURANCE COMPANY | $17 | — | $17 | 0.23% |
| YOLANDA TRISTANCHO-HELWIG3 | 449 CENTRAL AVENUE SAINT PETERSBURG, FL 33701 | THE PAUL REVERE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL FLORIDA | 600 CLEVELAND ST STE 600 CLEARWATER, FL 33755 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $992 | — | $992 | 15.00% |
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 | 321 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 322 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | THE PAUL REVERE LIFE INSURANCE COMPANY | 186 | $7K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 245 | $145K |
| Vision | EYEMED VISION CARE | 280 | $22K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 321 | $40K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 317 | $54K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 317 | $16K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 321 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 321 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.