| 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 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $224 | $5K | 4.40% |
| WORKSITE BENEFITS SOLUTION LLC3 | 1009 VERONA STREET KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $720 | $3K | 2.56% |
| JENNIFER WEYMOUTH RESMONDO3 | 2940 OAKTREE DRIVE KISSIMMEE, FL 34744 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $95 | $3K | 2.41% |
| THE INSURANCE & PAYROLL RESOURCE GR3 | 4301 VINELAND ROAD ORLANDO, FL 32811 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 2.15% |
| SARAH WEYMOUTH3 | 306 MAPLE AVENUE KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $374 | $2K | 1.83% |
| CALVON Y BUCZKOWSKI3 Filed as: CALVON Y. BUCZKOWSKI | 2608 TALL MAPLE LOOP OCOSE, FL 34761 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $585 | $472 | $1K | 0.91% |
| KENNETH A HOLDER3 Filed as: KENNETH A. HOLDER | 870 GREENSHANK DRIVE HAINES CITY, FL 33844 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $820 | $70 | $890 | 0.77% |
| CARUSO INSURANCE BENEFITS INC3 Filed as: CARUSO INSURANCE BENEFITS INC. | 10872 WILDERNESS CT. ORLANDO, FL 32821 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $833 | $32 | $865 | 0.75% |
| BARBARA C BRENLOVE3 Filed as: BARBARA C. BRENLOVE | PO BOX 470701 CELEBRATION, FL 34747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $486 | $53 | $539 | 0.47% |
| ROBERT SHAVERS3 | 1537 COLONY AVENUE KISSIMMEE, FL 34744 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $485 | $19 | $504 | 0.44% |
| GINAKES & ASSOCIATES LLC3 | 1020 W. INTERNATIONAL SPEEDWAY DAYTONA BEACH, FL 32114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $358 | — | $358 | 0.31% |
| OMAR ENRIQUE FIGUEROA3 | 3424 DOUGLAS CT. KISSIMMEE, FL 34746 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $258 | $22 | $280 | 0.24% |
| SEAN MICHAEL STORY3 | 1112 SOUTH MAGNOLIA DRIVE TALLAHASSEE, FL 32301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $154 | $1 | $155 | 0.13% |
| SAMANTHA C CORTELAZZO-ABBATE3 Filed as: SAMANTHA C. CORTELAZZO-ABBATE | 1283 TWIN RIVERS BLVD. OVIEDO, FL 32766 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $142 | — | $142 | 0.12% |
| COLLETTE G BOISVERT3 Filed as: COLLETTE G. BOISVERT | 349 CENTRAL AVENUE MANCHESTER, NH 03103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $129 | — | $129 | 0.11% |
| KAREN PICCININI3 | 425 W. COLONIAL DRIVE ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $109 | $9 | $118 | 0.10% |
| LAKIESHIA YEUVONNE MCGHEE3 | 5474 OAKLEY INDUSTRIAL BLVD. FAIRBURN, GA 30213 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $103 | $4 | $107 | 0.09% |
| DEANNA BOUFFORD3 | 323 PLEASANT STREET KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $92 | — | $92 | 0.08% |
| CATHERINE ANN ARAUJO3 | 2570 NW 94TH WAY SUNRISE, FL 33322 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $84 | $4 | $88 | 0.08% |
| L H FINANCIAL SERVICES INC3 Filed as: L H FINANCIAL SERVICES INC. | 6695 HIDDEN BROOK TRAIL COLLEGE PARK, GA 30349 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $85 | — | $85 | 0.07% |
| DOREEN REESE & ASSOCIATES LLC3 | 925 MAIN STREET STONE MOUNTAIN, GA 30083 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | $12 | $58 | 0.05% |
| STEPHANIE CARMEN DALEY3 | 4717 MONTAUK STREET ORLANDO, FL 32808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | — | $51 | 0.04% |
| KLD INSURANCE BENEFITS INC3 Filed as: KLD INSURANCE BENEFITS INC. | 9085 BETHEL ROAD GAINESVILLE, GA 30506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $22 | $41 | 0.04% |
| JOHN C. PANEK3 | 228 CROCKER DRIVE BEL AIR, MD 21014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 0.04% |
| JAMES C HAIR3 Filed as: JAMES C. HAIR | 13833 WELLINGTON TRACE WELLINGTON, FL 33414 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.03% |
| JOSEPH GLENN EVANS3 | 4312 DIAMOND TERRACE WESTON, FL 33331 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $1 | $21 | 0.02% |
| CARLOS FIGUEIREDO3 | 2493 RANCHO DRIVE KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.02% |
| MARK E WERNER II3 | 4423 WYNN ROAD BALTIMORE, MD 21236 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.02% |
| GRACE V NEAD3 Filed as: GRACE V. NEAD | 1015 STATE PARK ROAD GREENVILLE, SC 29609 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.01% |
| MACDOUGALL BENEFITS LLC3 | 913 POKEBERRY PLACE SAINT JOHNS, FL 32259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $4 | $14 | 0.01% |
| HELENA STORY LLC3 | 14148 MAHOGANY AVENUE JACKSONVILLE, FL 32258 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $2 | $12 | 0.01% |
| TRACEY MATZ3 | 2036 MARDIC DRIVE FOREST HILL, MD 21050 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| GCG FINANCIAL LLC3 Filed as: RAYMOND M. DICKERSON | 109 ROCHESTER ROAD EASLEY, SC 29640 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| B & B INSURANCE SOLUTIONS INC3 Filed as: B & B INSURANCE SOLUTIONS INC. | 14716 SW 112 TERRACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| RENEE SESSIONS WILLIAMS3 | 1310 HIGHLAND CIRCLE KISSIMMEE, FL 34744 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| G R S INC3 Filed as: G R S INC. | 3278 TAHOE COURT NAPLES, FL 34119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| WORKPLACE BENEFIT SOLUTIONS LLC3 | 80 SHADOW LANE LAKELAND, FL 33813 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| EMPLOYEE BENEFITS GROUP OF FLORIDA3 | 13750 W. COLONIAL DRIVE WINTER GARDEN, FL 34787 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $3 | $5 | 0.00% |
| BOBBY SCALES SR AND ASSOCIATES3 | 6945 LANCASTER CIRCLE CUMMING, GA 30040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| ROBERT LEE SMITH ESTATE3 | 3160 THRASHER CIRCLE DECATUR, GA 30032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| JULIET A BRUNO3 Filed as: JULIET A. BRUNO | 3926 COUNTRY CLUB BLVD. CAPE CORAL, FL 33904 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| ANTHONY SCOTT HUGHES3 | 321 STOKES CREEK DRIVE SAINT AUGUSTINE, FL 32095 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| WINFREDA HELEN LUTZ3 | 16658 HAMILTON DRIVE ORLANDO, FL 32833 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| NORMAC SOLUTIONS INC3 Filed as: NORMAC SOLUTIONS INC. | 3730 EVEREST DRIVE MONTGOMERY, AL 36106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $1 | $4 | 0.00% |
| DICE INSURANCE INC3 Filed as: DICE INSURANCE INC. | 5219 CASENTINO CT. MYRTLE BEACH, SC 29579 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| TIMOTHY SHILEY3 | 4779 SAINT MARKS ROAD JEFFERSON, MD 21755 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEM INC. | 245 SEVEN FARMS DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| STACEY DIANE QUANCE3 | 5682 RIVER OAKS PLACE ATLANTA, GA 30327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| CONSTANCE LABONTE3 | 4824 WILLOW RIDGE TERRACE VALRICO, FL 33594 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| THE INS & PAYROLL RESOURCE3 | 4301 VINELAND RD STE E-5 ORLANDO, FL 32811 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | — | $10K | 9.92% |
| THE INS & PAYROLL RESOURCE3 Filed as: THE INS. & PAYROLL GROUP | 4301 VINELAND ROAD SUITE E-5 ORLANDO, FL 32811 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| THE INS & PAYROLL RESOURCE3 | 4301 VINELAND RD STE E-5 ORLANDO, FL 32811 | CIGNA DENTAL HEALTH OF FLORIDA INC | $2K | — | $2K | 10.00% |
| THE INS & PAYROLL RESOURCE3 Filed as: THE INS. & PAYROLL GROUP | 4301 VINELAND ROAD SUITE E-5 ORLANDO, FL 32811 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| THE INS & PAYROLL RESOURCE3 Filed as: THE INS. & PAYROLL RESOURCE GROUP | 4301 VINELAND ROAD SUITE E-5 ORLANDO, FL 32811 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| THE INS & PAYROLL RESOURCE3 | 4301 VINELAND RD STE E-5 ORLANDO, FL 32811 | CIGNA DENTAL HEALTH OF NORTH CAROLINA INC | $32 | — | $32 | 9.85% |
| THE INS & PAYROLL RESOURCE3 | 4301 VINELAND RD STE E-5 ORLANDO, FL 32811 | CIGNA DENTAL HEALTH OF VIRGINIA INC | $27 | — | $27 | 9.96% |
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 | 238 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 161 | $124K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 161 | $103K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 238 | $39K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 164 | $129K |
| Long-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 164 | $116K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 238 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.