| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POPPELL INSURANCE, INC.3 | 503W MARTIN LUTHER KING BOULEVARD PLANT CITY, FL 33563 | BLUE CROSS BLUE SHIELD OF FLORIDA | $34K | $0 | $34K | 5.00% |
| POPPELL INSURANCE, INC.3 | 503W MARTIN LUTHER KING BOULEVARD PLANT CITY, FL 33563 | HEALTH OPTIONS, INC. | $11K | $0 | $11K | 5.00% |
| POPPELL INSURANCE, INC.3 | 503W MARTIN LUTHER KING BOULEVARD PLANT CITY, FL 33563 | FLORIDA COMBINED LIFE | $5K | $0 | $5K | 8.98% |
| POPPELL INSURANCE, INC.3 | 503W MARTIN LUTHER KING BOULEVARD PLANT CITY, FL 33563 | AMERICAN UNITED LIFE INSURANCE COMPANY | $6K | $0 | $6K | 14.23% |
| POPPELL INSURANCE, INC.3 | 503W MARTIN LUTHER KING BOULEVARD PLANT CITY, FL 33563 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $339 | $0 | $339 | 2.95% |
| SIERRA ALVARADO3 | 700 EAGLE AVENUE LONGWOOD, FL 32750 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $109 | $0 | $109 | 0.95% |
| FRANCISCO JAVIER RUIZ3 | 10102 COURTNEY OAKS CIRCLE TAMPA, FL 33619 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $86 | $0 | $86 | 0.75% |
| POPPELL INSURANCE, INC.3 | 503W MARTIN LUTHER KING BOULEVARD PLANT CITY, FL 33563 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $937 | $0 | $937 | 10.01% |
| HARRISON-DAVIS INC3 Filed as: HARRISON-DAVIS, INC. | UNKNOWN ORLANDO, FL 32877 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9 | $0 | $9 | 0.10% |
| DAVIS II COMPANIES LLC3 Filed as: DAVIS II COMPANIES, LLC | UNKNOWN ORLANDO, FL 32877 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5 | $0 | $5 | 0.05% |
| POPPELL INSURANCE, INC.3 | 503W MARTIN LUTHER KING BOULEVARD PLANT CITY, FL 33563 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $126 | $0 | $126 | 2.31% |
| KRISTY LYNN HUNT3 | 2013 FAULK DRIVE TALLAHASSEE, FL 32303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | $0 | $57 | 1.05% |
| NYRA VELASCO3 | 1904 CAPRI ROAD VALRICO, FL 33594 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | $0 | $44 | 0.81% |
| EDWARD D SOMMER3 Filed as: EDWARD GUY JR | 260 TIMBERLANE ROAD TALLAHASSEE, FL 32312 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | $0 | $32 | 0.59% |
| COACH CONCEPTS INC3 Filed as: COACH CONCEPTS, INC. | 5655 OAKHURST DRIVE SEMINOLE, FL 33772 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $0 | $22 | 0.40% |
| FRANCISCO JAVIER RUIZ3 | 10102 COURTNEY OAKS CIRCLE TAMPA, FL 33619 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $0 | $15 | 0.28% |
| SIERRA ALVARADO3 | 700 EAGLE AVENUE LONGWOOD, FL 32750 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.13% |
| POPPELL INSURANCE, INC.3 | 503W MARTIN LUTHER KING BOULEVARD PLANT CITY, FL 33563 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $0 | $21 | 4.59% |
| FRANCISCO JAVIER RUIZ3 | 10102 COURTNEY OAKS CIRCLE TAMPA, FL 33619 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 1.09% |
| SIERRA ALVARADO3 | 700 EAGLE AVENUE LONGWOOD, FL 32750 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.87% |
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 | 207 | 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) | 207 | 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 | 68 | $919K |
| Dental | FLORIDA COMBINED LIFE | 106 | $54K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 91 | $9K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 258 | $43K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 258 | $43K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 258 | $43K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 68 | $919K |
| Other(4 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 258 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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.