| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 W STATE ROAD 434 LONGWOOD, FL 32750 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $10K | $0 | $10K | 9.84% |
| WORKSITE BENEFITS SOLUTION LLC3 | 2622 WYMAN CIR KISSIMEE, FL 34744 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $3K | $8K | 10.53% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC. | 1855 W STATE RD 434 LONGWOOD, FL 32750 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $1K | $7K | 9.77% |
| SARAH WEYMOUTH3 Filed as: SARAH WEYMOUTH LLC | 107 OCEAN TER INDIALANTIC, FL 32903 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $476 | $2K | 2.16% |
| CALVON Y BUCZKOWSKI3 | 204 COVERED BRIDGE DR OCOEE, FL 34761 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $547 | $291 | $838 | 1.13% |
| JENNIFER WEYMOUTH RESMONDO3 Filed as: JENNIFER WEYMOUTH LLC | 2940 OAKTREE DR KISSIMMEE, FL 34744 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $549 | $112 | $661 | 0.89% |
| MICHAEL G BOYCE3 | 518 TENNESSEE AVE SAINT CLOUD, FL 34769 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $401 | $195 | $596 | 0.80% |
| COLETTE G BEISVERT3 Filed as: COLETTE G BOISVERT | 349 CENTRAL ST MANCHESTER, NH 03103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $238 | $22 | $260 | 0.35% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 W 13TH ST FORT WORTH, TX 76102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $222 | $0 | $222 | 0.30% |
| BRANDY R BYERS3 | 9766 STONEHEARTH LN FORNEY, TX 75126 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $165 | $0 | $165 | 0.22% |
| MPART BENEFITS INC3 | 100 ALBRIGHT LN PROSPER, TX 75078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $113 | $0 | $113 | 0.15% |
| DEBRA DAIGLE AMOEDO3 | 12750 GRECO DR ORLANDO, FL 32824 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | $0 | $47 | 0.06% |
| BIANCA NAVARRO3 | 4082 N 10TH ST HAINES CITY, FL 33844 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | $0 | $31 | 0.04% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | 100 ALBRIGHT LANE PROSPER, TX 75078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $0 | $21 | 0.03% |
| CAROLYN GROVER3 | 206 FOX CHAPEL DR IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.02% |
| CARUSO INSURANCE BENEFITS INC3 | 10872 WILDERNESS CT ORLANDO, FL 32821 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $0 | $17 | 0.02% |
| PAULA GAIL NEAL3 | 604 FM 41 LUBBOCK, TX 79423 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 0.01% |
| KIM REED SMITH3 Filed as: KIM R TERRELL | 1644 STUBBS VINSON RD MONROE, LA 71203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.01% |
| MANUEL FUENTES3 | 63 MARIPOSA PARKWAY W BOERNE, TX 78006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.01% |
| BILLY MARK ROBERSON3 | 19210 BOCA DEL MAR DAN ANTONIO, TX 78258 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.01% |
| OMAR MENDOZA3 | 26326 ROCKWELL PARKWAY NEW BRAUNFELS, TX 78132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.01% |
| ROBERT SHAVERS3 | 63 SPRING FOREST TRL SHARPESBURG, GA 30277 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 W STATE RD 434 LONGWOOD, FL 32750 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 10.00% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 W STATE RD STE 434 LONGWOOD, FL 32750 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $126 | $0 | $126 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INSURANCE OFFICE OF AMERICA BROKE | Insurance agents and brokers Service code 22 | 1855 W STATE RD 434 LONGWOOD, FL 32750 | $63K |
| THE BENECON GROUP LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $33K |
| MERITAIN HEALTH EIN 59-1031071 ADMIN | Claims processing Service code 12 | — | $21K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $11K |
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 | 164 | 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) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 191 | $101K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 191 | $101K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 389 | $10K |
| Stop-loss / reinsurancereinsurance | OPTUM HEALTH UNIAMERICA INSURANCE COMPANY | 164 | $498K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 389 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 389 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.