| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE SUITE 250 ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25K | $3K | $28K | 16.85% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NORTHEAST SUITE 250 ATLANTA, GA 30305 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $72K | — | $72K | 52.29% |
| LOCKTON COMPANIES, LLC3 | UNKNOWN TAMPA, FL 33614 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $2K | $2K | 1.14% |
| MJ INSURANCE3 Filed as: DANIELS SOLNS LLC & VARIOUS AGENTS | 4941 POMPANO DRIVE NEW PORT RICHEY, FL 34652 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $877 | $4K | 5.36% |
| TRILOGY BENEFITS CONSULTING LLC3 | 5908 HAMMOCK WOODS DRIVE ODESSA, FL 33556 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 4.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC | 1450 BRICKELL AVENUE MIAMI, FL 33131 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 2.39% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $40 | $2K | 2.12% |
| HEIL BUSINESS SOLUTIONS CORPORATION3 | 2150 49TH STREET NORTH, SUITE F SAINT PETERSBURG, FL 33710 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 1.87% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH ELIZABETH MAXWELL | 1023 GRANDA STREET CLEARWATER, FL 33755 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $186 | $1K | 1.65% |
| CHOICE BENEFIT SOLUTIONS INC3 | 525 CAPRI BOULEVARD TREASURE ISLAND, FL 33706 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 1.32% |
| LOCKTON COMPANIES, LLC3 | 2640 GOLDEN GATE PARKWAY, SUITE 201 NAPLES, FL 34105 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 8.22% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $563 | $11 | $574 | 6.33% |
| TRILOGY BENEFITS CONSULTING LLC3 | 5908 HAMMOCK WOODS DRIVE ODESSA, FL 33556 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $521 | $0 | $521 | 5.75% |
| ANGEL GABRIEL VELAZQUEZ-DIAZ3 | 2022 ESTANCIA CIRCLE, SUITE 6 KISSIMMEE, FL 34741 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $329 | $74 | $403 | 4.45% |
| CORCORAN & HOYT LLC3 Filed as: CORCORAN AND HOYT LLC | 12505 BRONCO DRIVE TAMPA, FL 33624 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $185 | $81 | $266 | 2.93% |
| JANET S DOHERTY3 Filed as: JANET S DOHERTY & OTHER AGENTS | 1001 STARKEY ROAD LARGO, FL 33771 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $184 | $56 | $240 | 2.65% |
| DANIELS SOLUTIONS LLC3 | 4941 POMPANO DRIVE NEW PORT RICHEY, FL 34652 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $118 | $99 | $217 | 2.39% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH ELIZABETH MAXWELL | 1023 GRANDA STREET CLEARWATER, FL 33755 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $157 | $26 | $183 | 2.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC | 1450 BRICKELL AVENUE MIAMI, FL 33131 | THE PAUL REVERE LIFE INSURANCE COMPANY | $114 | $0 | $114 | 2.69% |
| CHOICE BENEFIT SOLUTIONS AND OTHERS3 Filed as: CHOICE BENEFIT SOLUTION, INC | 525 CAPRI BOULEVARD TREASURE ISLAND, FL 33706 | THE PAUL REVERE LIFE INSURANCE COMPANY | $59 | $0 | $59 | 1.39% |
| PAULETTE VICTORIA WALKER3 Filed as: PAULETTE V. WALKER AND OTHER AGENTS | 1425 PARK PLACE BROOKLYN, NY 11213 | THE PAUL REVERE LIFE INSURANCE COMPANY | $45 | $0 | $45 | 1.06% |
| HEIL BUSINESS SOLUTIONS CORPORATION3 | 2150 49TH STREET NORTH, SUITE F SAINT PETERSBURG, FL 33710 | THE PAUL REVERE LIFE INSURANCE COMPANY | $37 | $0 | $37 | 0.87% |
| TRILOGY BENEFITS CONSULTING LLC3 | 5908 HAMMOCK WOODS DRIVE ODESSA, FL 33556 | THE PAUL REVERE LIFE INSURANCE COMPANY | $35 | $0 | $35 | 0.83% |
| DANIELS SOLUTIONS LLC3 | 4941 POMPANO DRIVE NEW PORT RICHEY, FL 34652 | THE PAUL REVERE LIFE INSURANCE COMPANY | $30 | $0 | $30 | 0.71% |
| CORCORAN & HOYT LLC3 Filed as: CORCORAN AND HOYT LLC | 12505 BRONCO DRIVE TAMPA, FL 33624 | THE PAUL REVERE LIFE INSURANCE COMPANY | $25 | $0 | $25 | 0.59% |
| LOCKTON COMPANIES, LLC3 | 3601 SW 160TH AVENUE, SUITE 200 MIRAMAR, FL 33027 | FEDERAL INSURANCE COMPANY | $405 | $0 | $405 | 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 | 185 | 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) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 244 | $92K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 434 | $138K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 358 | $27K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 185 | $168K |
| Short-term disability(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 244 | $260K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 185 | $168K |
| Other(6 contracts, 5 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,025 | $276K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,025 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.