| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES Filed as: CBIZ BENEFITS AND INSURANCE SERVICE | DENNIS GOLDSTEIN 951 YAMATO ROAD, SUITE 200W BOCA RATON, FL 33431 | BLUE CROSS BLUE SHIELD OF FLORIDA | $32K | — | $32K | 4.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INSURANCE SERVICE | P. O. BOX 632886 CINCINNATI, OH 45263 | HUMANA INSURANCE COMPANY | $10K | — | $10K | 13.20% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INSURANCE SERVICE | 301 NE 51ST STREET #3150 BOCA RATON, FL 33431 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 2.62% |
| CORCORAN & HOYT LLC3 | 206 3RD AVENUE NORTH SAFETY HARBOR, FL 34695 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $466 | $3K | 12.71% |
| ROGER BOUCHARD INSURANCE INC3 | P.O. BOX 6090 CLEARWATER, FL 33758 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $153 | $1K | 5.10% |
| WORKSITE AMERICA LLC3 | 14141 46TH STREET NORTH CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $631 | $171 | $802 | 3.36% |
| SHIRLEY B DRAKE3 Filed as: SHIRLEY B. DRAKE | 14141 46TH STREET NORTH CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $334 | $52 | $386 | 1.62% |
| HEIDI S WEISHAUPT3 Filed as: HEIDI S. WEISHAUPT | 4520 29TH AVE CIRCLE E PALMETTO, FL 34221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $151 | $9 | $160 | 0.67% |
| REMIGIO TORRES3 | 5317 MACBETH CT TAMPA, FL 33624 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $110 | $50 | $160 | 0.67% |
| JARRET THOMAS HONAHAN3 | 7 HARBOR OAKS CIRCLE SAFETY HARBOR, FL 34695 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $95 | $9 | $104 | 0.44% |
| CHRISTINA L SUTTON3 Filed as: CHRISTINA L. SUTTON | 14141 46TH STREET NORTH CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | $22 | $51 | 0.21% |
| KAREN PICCININI3 | 425 W. COLONIAL DRIVE ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $1 | $15 | 0.06% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $841 | $0 | $841 | 20.00% |
| BENEFIT SOURCES & SOLUTIONS3 Filed as: BENEFIT SOURCES AND SOLUTION CENTER | 100 PASSAIC AVENUE FAIRFIELD, NJ 07004 | FEDERAL INSURANCE COMPANY | $631 | — | $631 | 15.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INSURANCE SERVICE | PO BOX 632886 CINCINNATI, OH 45263 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | — |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INSURANCE SERVICE | P. O. BOX 632886 CINCINNATI, OH 45263 | STANDARD INSURANCE COMPANY | $520 | $0 | $520 | — |
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 | 229 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 159 | $76K |
| Vision | HUMANA INSURANCE COMPANY | 159 | $76K |
| Life insurance | STANDARD INSURANCE COMPANY | 212 | $0 |
| Other | FEDERAL INSURANCE COMPANY | 12 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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."
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.