| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INSURANCE SERVICE | 11440 TOMAHAWK CREEK PKWY LEAWOOD, KS 66211 | BLUE CROSS BLUE SHIELD OF FLORIDA | $57K | — | $57K | 4.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P. O. BOX 632886 CINCINNATI, OH 45263 | PRINCIPAL LIFE INSURANCE COMPANY | $13K | $0 | $13K | 9.99% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INSURANCE SERVICE | 11440 TOMAHAWK CREEK PKWY LEAWOOD, KS 66211 | HEALTH OPTIONS, INC. | $5K | — | $5K | 3.94% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INSURANCE SERVICE | PO BOX 632886 CINCINNATI, OH 45263 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 7.13% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES | PO BOX 632886 CINCINNATI, OH 45263 | STANDARD INSURANCE COMPANY | $664 | — | $664 | 9.42% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES | PO BOX 632886 CINCINNATI, OH 45263 | STANDARD INSURANCE COMPANY | $842 | — | $842 | 12.64% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S. 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | FEDERAL INSURANCE COMPANY | $556 | — | $556 | 14.99% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 2033 MAIN ST SUITE 407 SARASOTA, FL 34237 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | — |
| AC INSURANCE SERVICES LLC3 | 328 N OCEAN BLVD #1507 POMPANO BEACH, FL 33062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $540 | $642 | $1K | — |
| ARBER SINANI3 | 6932 EXETER PARK PLACE APOLLO BEACH, FL 33572 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $231 | $823 | $1K | — |
| JUSTIN M REYNOLDS3 | 11905 PERSIAN TERRACE BRADENTON, FL 34212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $321 | $328 | $649 | — |
| ROGER BOUCHARD INSURANCE INC3 | P.O. BOX 6090 CLEARWATER, FL 33758 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $542 | $0 | $542 | — |
| WORKSITE AMERICA LLC3 | 14141 46TH STREET NORTH CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $415 | $0 | $415 | — |
| CORCORAN & HOYT LLC3 | 3905 TAMPA ROAD OLDSMAR, FL 34677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $337 | $36 | $373 | — |
| GREGORIO R UGAZ3 | 6441 SW 116TH CT, APT G MIAMI, FL 33173 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $353 | $13 | $366 | — |
| NYRA VELASCO3 | 1904 CAPRI ROAD VALRICO, FL 33594 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $146 | $44 | $190 | — |
| SHIRLEY B DRAKE3 Filed as: SHIRLEY B. DRAKE | 14141 46TH STREET NORTH CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $173 | $0 | $173 | — |
| MICHELLE MUELLER LEA3 | 6070 BRANDON RUN BRADENTON, FL 34211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $135 | $34 | $169 | — |
| UNITED TAX & FINANCE ADVISORY SERVI3 Filed as: UNITED TAX & FINANCE ADVISORY SERV | 18135 CANAL POINTE ST TAMPA, FL 33647 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $138 | $0 | $138 | — |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MASH & MCLENNAN AGENCY LLC | DBA BOUCHARD CLEARWATER, FL 33765 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $102 | $0 | $102 | — |
| MICHAEL WAYNE CLARK3 | 3120 CLOUDCROFT AVE SPRING HILL, FL 34609 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $79 | $0 | $79 | — |
| COMPASS BENEFITS SOLUTIONS LLC3 | 5200 N HILLS DR HOLLYWOOD, FL 33021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | $0 | $77 | — |
| KRISTAL DEL GUADALUPE FIGUEROA3 | 3257 COOL SPRINGS CT NAPERVILLE, IL 60564 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | $0 | $57 | — |
| SHARON R NOWELL3 | 4111 NW 9TH ST COCONUT CREEK, FL 33066 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | $22 | $52 | — |
| HEIDI S WEISHAUPT3 Filed as: HEIDI S. WEISHAUPT | 4520 29TH AVE CIR E PALMETTO, FL 34221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | $0 | $48 | — |
| JERRY R MAUREY3 | 34401 SMART DRIVE ZEPHYRHILLS, FL 33541 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $11 | $19 | — |
| EM PROPERTY & CASUALTY LLC3 | 13500 SW 88TH STREET SUITE 287 MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $1 | $16 | — |
| MEDHEALTH CONSULTANTS LLC3 | 16603 SW 97TH ST MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $0 | $15 | — |
| COACH CONCEPTS INC3 | 5655 OAKHURST DRIVE SEMINOLE, FL 33772 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $4 | $9 | — |
| DANIELSE SOLUTIONS LLC3 | 13650 W. HILLSBOROUGH AVE GREATER TAMPA, FL 33635 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $4 | $7 | — |
| SCHMIDT BENEFIT GROUP INC3 | 512 LYONS BAY RD NOKOMIS, FL 34275 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | — |
| CHRISTINA BIEBER3 | 12827 WOODMILL DRIVE PALM BEACH GARDENS, FL 33418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $1 | $4 | — |
| CREATIVE BENEFIT CONSULTANTS INC3 | 18214 102ND WAY S BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $1 | $4 | — |
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 | 369 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 371 | 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 | 363 | $1.4M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 484 | $135K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 484 | $135K |
| Life insurance | STANDARD INSURANCE COMPANY | 479 | $37K |
| Short-term disability | STANDARD INSURANCE COMPANY | 9 | $7K |
| Long-term disability | STANDARD INSURANCE COMPANY | 9 | $7K |
| Other(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 363 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 484 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.