| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INSURANCE SERVICE | DENNIS GOLDSTEIN 951 YAMATO ROAD, SUITE 200W BOCA RATON, FL 33431 | BLUE CROSS BLUE SHIELD OF FLORIDA | $38K | — | $38K | 4.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INSURANCE SERVICE | P. O. BOX 632886 CINCINNATI, OH 45263 | HUMANA INSURANCE COMPANY | $12K | — | $12K | 14.07% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INSURANCE SERVICE | DENNIS GOLDSTEIN 951 YAMATO ROAD, SUITE 200W BOCA RATON, FL 33431 | HEALTH OPTIONS, INC. | $2K | — | $2K | 4.00% |
| ROGER BOUCHARD INSURANCE INC3 | P.O. BOX 6090 CLEARWATER, FL 33758 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $78 | $2K | 7.17% |
| WORKSITE AMERICA LLC3 | 14141 46TH STREET NORTH CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $832 | $422 | $1K | 4.55% |
| KRISTAL DEL GUADALUPE FIGUEROA3 | 8411 MAY STREET TAMPA, FL 33614 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $923 | $69 | $992 | 3.60% |
| SHIRLEY B DRAKE3 Filed as: SHIRLEY B. DRAKE | 14141 46TH STREET NORTH CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $536 | $158 | $694 | 2.52% |
| CHRISTINA L SUTTON3 Filed as: CHRISTINA L. SUTTON | 284 NORTH STREET PALM HARBOR, FL 34683 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $255 | $141 | $396 | 1.44% |
| FRANK PADULA3 | 3000 BAYPORT DRIVE TAMPA, FL 33607 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $69 | $135 | $204 | 0.74% |
| CORCORAN & HOYT LLC3 | 12505 BRONCO DRIVE TAMPA, FL 33624 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $169 | — | $169 | 0.61% |
| DANIELSE SOLUTIONS LLC3 | 4941 POMPANO DRIVE NEW PORT RICHEY, FL 34652 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $69 | $71 | $140 | 0.51% |
| HEIDI S WEISHAUPT3 Filed as: HEIDI S. WEISHAUPT | 4520 29TH AVE CIRCLE E PALMETTO, FL 34221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | $1 | $56 | 0.20% |
| REMIGIO TORRES3 | 5317 MACBETH CT TAMPA, FL 33624 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $1 | $14 | 0.05% |
| HELEN DIZ-HATTON3 | 4 PALMER LANE ENGLISHTOWN, NJ 07726 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| C & L REED ASSOCIATES LLC3 | 2911 GLENARDEN DRIVE CHARLESTON, SC 29414 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INSURANCE SERVICE | PO BOX 632886 CINCINNATI, OH 45263 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 8.22% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES | PO BOX 632886 CINCINNATI, OH 45263 | STANDARD INSURANCE COMPANY | $615 | — | $615 | 11.22% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES | PO BOX 632886 CINCINNATI, OH 45263 | STANDARD INSURANCE COMPANY | $746 | — | $746 | 14.40% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S. 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | FEDERAL INSURANCE COMPANY | $556 | — | $556 | 14.99% |
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 | 161 | $82K |
| Vision | HUMANA INSURANCE COMPANY | 161 | $82K |
| Life insurance | STANDARD INSURANCE COMPANY | 214 | $23K |
| Short-term disability | STANDARD INSURANCE COMPANY | 7 | $5K |
| Long-term disability | STANDARD INSURANCE COMPANY | 7 | $5K |
| Other(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 229 | $947K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.