| 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 | $37K | — | $37K | 4.00% |
| 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. | $8K | — | $8K | 4.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INSURANCE SERVICE | P. O. BOX 632886 CINCINNATI, OH 45263 | METROPOLITAN LIFE INSURANCE CO | $8K | $675 | $9K | 10.82% |
| ROGER BOUCHARD INSURANCE INC3 | P.O. BOX 6090 CLEARWATER, FL 33758 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $253 | $2K | 7.20% |
| STEPHANIE GRANT3 | 1902 NATURE VIEW DR LUTZ, FL 33558 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $26 | $1K | 3.45% |
| WORKSITE AMERICA LLC3 | 14141 46TH STREET NORTH CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $613 | $61 | $674 | 2.16% |
| JUSTIN M REYNOLDS3 | 11905 PERSIAN TERRACE BRADENTON, FL 34212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $171 | $457 | $628 | 2.01% |
| CORCORAN & HOYT LLC3 | 3905 TAMPA ROAD OLDSMAR, FL 34677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $366 | $118 | $484 | 1.55% |
| SHIRLEY B DRAKE3 Filed as: SHIRLEY B. DRAKE | 14141 46TH STREET NORTH CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $307 | $13 | $320 | 1.03% |
| KRISTAL DEL GUADALUPE FIGUEROA3 | 3257 COOL SPRINGS CT NAPERVILLE, IL 60564 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $249 | $23 | $272 | 0.87% |
| JACLYN ANN RICCOBONO3 | 11935 FOREST PARK CIRCLE BRADENTON, FL 34211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $128 | — | $128 | 0.41% |
| CHRISTINA L SUTTON3 Filed as: CHRISTINA L. SUTTON | P O BOX 746 OZONA, FL 34660 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $87 | $3 | $90 | 0.29% |
| HEIDI S WEISHAUPT3 Filed as: HEIDI S. WEISHAUPT | 4520 29TH AVE CIRCLE E PALMETTO, FL 34221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | — | $48 | 0.15% |
| DANIELSE SOLUTIONS LLC3 | 4941 POMPANO DRIVE NEW PORT RICHEY, FL 34652 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $19 | $32 | 0.10% |
| FRANK PADULA3 | 3000 BAYPORT DRIVE TAMPA, FL 33607 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.04% |
| 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% |
| THE WORKSIGHT GROUP LLC3 Filed as: WORKSIGHT GROUP LLC | 6 ELM ST UNIT 5 MADISON, NJ 07940 | 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 | 8.13% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES | PO BOX 632886 CINCINNATI, OH 45263 | STANDARD INSURANCE COMPANY | $974 | — | $974 | 11.22% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES | PO BOX 632886 CINCINNATI, OH 45263 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| 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 | 232 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 41 | $31K |
| Dental | METROPOLITAN LIFE INSURANCE CO | 418 | $83K |
| Vision | METROPOLITAN LIFE INSURANCE CO | 418 | $83K |
| Life insurance | STANDARD INSURANCE COMPANY | 232 | $24K |
| Short-term disability | STANDARD INSURANCE COMPANY | 9 | $9K |
| Long-term disability | STANDARD INSURANCE COMPANY | 9 | $8K |
| Other(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 197 | $921K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 418 | — |
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.