| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 225 SCHILLING CIR. STE 1500 HUNT VALLEY, MD 21031 | PRINCIPAL LIFE INSURANCE COMPANY | $34K | — | $34K | 5.92% |
| AC INSURANCE SERVICES LLC3 | 328 N OCEAN BLVD #1507 POMPANO BEACH, FL 33062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $646 | $602 | $1K | 5.45% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 1120 S. TRYON ST. STE 650 CHARLOTTE, NC 28202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $525 | — | $525 | 2.29% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 2033 MAIN ST SUITE 407 SARASOTA, FL 34237 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $407 | — | $407 | 1.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MASH & MCLENNAN AGENCY LLC | DBA BOUCHARD CLEARWATER, FL 33765 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $299 | — | $299 | 1.31% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ADAM IRA BROWN | 700 NE 7TH AVE APT 6 FORT LAUDERDALE, FL 33304 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $203 | $41 | $244 | 1.07% |
| WORKSITE AMERICA LLC3 | 14141 46TH ST. N STE 1209 CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $195 | — | $195 | 0.85% |
| LUC JOSEPH3 | 548 NW 51ST ST. MIAMI, FL 33127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $186 | $6 | $192 | 0.84% |
| NYRA VELASCO3 | 1904 CAPRI ROAD VALRICO, FL 33594 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $151 | $26 | $177 | 0.77% |
| CORCORAN & HOYT LLC3 | 3905 TAMPA RD. OLDMAR, FL 34677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $119 | — | $119 | 0.52% |
| PEACOCK FINANCIALS INC3 Filed as: PEACOCK FINANCIALS | 11830 NW 32ND MNR SUNRISE, FL 33323 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | $54 | $84 | 0.37% |
| SHIRLEY B DRAKE3 Filed as: SHIRLEY B. DRAKE | 14141 46TH STREET NORTH CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $83 | — | $83 | 0.36% |
| JUSTIN M REYNOLDS3 | 11905 PERSIAN TERRACE BRADENTON, FL 34212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $60 | — | $60 | 0.26% |
| ARBER SINANI3 | 6932 EXETER PARK PLACE APOLLO BEACH, FL 33572 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | — | $49 | 0.21% |
| HEIDI S WEISHAUPT3 Filed as: HEIDI S. WEISHAUPT | 4520 29TH AVE CIR E PALMETTO, FL 34221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.13% |
| BRITO BENEFITS SOLUTIONS INC3 Filed as: BRITO BENEFITS SOLUTIONS INC. | 14716 SW 112TH TER MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $10 | $26 | 0.11% |
| B & B INSURANCE SOLUTIONS INC3 Filed as: B&B INSURANCE SOLUTIONS | 14716 SW 112 TERRACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $9 | $23 | 0.10% |
| MICHELLE MUELLER LEA3 | 6070 BRANDON RUN BRADENTON, FL 34211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.09% |
| GREGORIO R UGAZ3 | 6441 SW 116TH CT, APT G MIAMI, FL 33173 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.08% |
| SHARON R NOWELL3 | 4111 NW 9TH ST COCONUT CREEK, FL 33066 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.06% |
| COACH CONCEPTS INC3 | 5655 OAKHURST DRIVE SEMINOLE, FL 33772 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $2 | $13 | 0.06% |
| SCHMIDT BENEFIT GROUP INC3 | 512 LYONS BAY RD NOKOMIS, FL 34275 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.05% |
| SINGLE POINT ENROLLMENT SOLUTIONS3 | 14716 SW 112TH TER MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $3 | $5 | 0.02% |
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 | 556 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 565 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 27 | $23K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 803 | $569K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 803 | $569K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 803 | $569K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 803 | $569K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 803 | $569K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 803 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.