| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POPPELL INSURANCE, INC.3 | 503W MARTIN LUTHER KING BOULEVARD PLANT CITY, FL 33564 | BLUE CROSS BLUE SHIELD OF FLORIDA | $32K | $0 | $32K | 5.05% |
| POPPELL INSURANCE, INC.3 | 503W MARTIN LUTHER KING BOULEVARD PLANT CITY, FL 33563 | HEALTH OPTIONS | $8K | $0 | $8K | 5.03% |
| POPPELL INSURANCE, INC.3 | 503W MARTIN LUTHER KING BOULEVARD PLANT CITY, FL 33563 | FLORIDA COMBINED LIFE | $5K | $0 | $5K | 8.92% |
| POPPELL INSURANCE, INC.3 | 503W MARTIN LUTHER KING BOULEVARD PLANT CITY, FL 33563 | AMERICAN UNITED LIFE INSURANCE COMPANY | $4K | $2K | $6K | 21.46% |
| POPPELL INSURANCE, INC.3 | 503W MARTIN LUTHER KING BOULEVARD PLANT CITY, FL 33563 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 9.10% |
| MICHAEL L. DRUMMOND3 | 11857 WILDEFLOWER PLACE TEMPLE TERRACE, FL 33617 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $657 | $0 | $657 | 3.59% |
| FRANCISCO JAVIER RUIZ3 | 10102 COURTNEY OAKS CIRCLE TAMPA, FL 33619 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $487 | $72 | $559 | 3.05% |
| MJ INSURANCE3 Filed as: EDWARD GUY JR AND VARIOUS AGENTS | 260 TIMBERLANE ROAD TALLAHASSEE, FL 32312 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $369 | $111 | $480 | 2.62% |
| ROBERT RYAN HAWKEN3 | 23731 LAKE HILLS DRIVE LUTZ, FL 33559 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $461 | $0 | $461 | 2.52% |
| SIERRA ALVARADO3 | 700 EAGLE AVENUE LONGWOOD, FL 32750 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $388 | $17 | $405 | 2.21% |
| CARLOS A. MCCAIN3 | 8801 HUNTERS LAKE DRIVE, SUITE 513 TAMPA, FL 33647 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $193 | $0 | $193 | 1.05% |
| POPPELL INSURANCE, INC.3 | 503W MARTIN LUTHER KING BOULEVARD PLANT CITY, FL 33563 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $600 | $0 | $600 | 5.13% |
| POPPELL INSURANCE, INC.3 | 503W MARTIN LUTHER KING BOULEVARD PLANT CITY, FL 33563 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $956 | $0 | $956 | 13.52% |
| KRISTY LYNN HUNT3 | 2013 FAULK DRIVE TALLAHASSEE, FL 32303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $434 | $99 | $533 | 7.54% |
| MICHAEL L. DRUMMOND3 | 11857 WILDEFLOWER PLACE TEMPLE TERRACE, FL 33617 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $390 | $0 | $390 | 5.52% |
| JOE LYNN ALSOBROOK3 | 4557 36TH AVENUE NORTH SAINT PETERSBURG, FL 33713 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $239 | $138 | $377 | 5.33% |
| EDWARD D SOMMER3 Filed as: EDWARD GUY JR | 260 TIMBERLANE ROAD TALLAHASSEE, FL 32312 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $263 | $11 | $274 | 3.88% |
| MYRA VELASCO3 | 1904 CAPRI ROAD VALRICO, FL 33594 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $189 | $49 | $238 | 3.37% |
| COACH CONCEPTS INC3 Filed as: COACH CONCEPTS, INC. | 5655 OAKHURST DRIVE SEMINOLE, FL 33772 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $123 | $49 | $172 | 2.43% |
| POPPELL INSURANCE, INC.3 | 503W MARTIN LUTHER KING BOULEVARD PLANT CITY, FL 33563 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $616 | $0 | $616 | 9.62% |
| MJ INSURANCE3 Filed as: CARLOS A. MCCAIN AND VARIOUS AGENTS | 8801 HUNTERS LAKE DRIVE, SUITE 513 TAMPA, FL 33647 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $267 | $51 | $318 | 4.97% |
| MICHAEL L. DRUMMOND3 | 11857 WILDEFLOWER PLACE TEMPLE TERRACE, FL 33617 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $263 | $0 | $263 | 4.11% |
| FRANCISCO JAVIER RUIZ3 | 10102 COURTNEY OAKS CIRCLE TAMPA, FL 33619 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $168 | $31 | $199 | 3.11% |
| ANGEL GABRIEL VELAZQUEZ-DIAZ3 | 2022 ESTANCIA CIRCLE, SUITE 6 KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $132 | $26 | $158 | 2.47% |
| DOUGLAS I WINSLOW3 | 6284 105TH TERRACE PINELLAS PARK, FL 33782 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $97 | $44 | $141 | 2.20% |
| SIERRA ALVARADO3 | 700 EAGLE AVENUE LONGWOOD, FL 32750 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $115 | $6 | $121 | 1.89% |
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 | 184 | 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) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 94 | $790K |
| Dental | FLORIDA COMBINED LIFE | 109 | $57K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 81 | $12K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 184 | $29K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 184 | $29K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 184 | $29K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 94 | $790K |
| Other(4 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 184 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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.