| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE INS & PAYROLL RESOURCE3 | 1101 N. LAKE DESTINY ROAD SUITE 100 MAITLAND, FL 32751 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | — | $13K | 9.94% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC. | 1855 W. STATE ROAD 434 LONGWOOD, FL 32750 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 2.47% |
| THE INSURANCE & PAYROLL RESOURCE GR3 | 1101 N LAKE DESTINY RD MAITLAND, FL 32751 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $62 | $3K | 2.42% |
| WORKSITE BENEFITS SOLUTION LLC3 | 1009 VERONA STREET KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $699 | $2K | 2.04% |
| WORKPLACE BENEFIT SOLUTIONS LLC3 | 1009 VERONA STREET KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $699 | $2K | 2.04% |
| JENNIFER WEYMOUTH RESMONDO3 | 2940 OAKTREE DRIVE KISSIMMEE, FL 34744 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $187 | $2K | 1.73% |
| KENNETH A HOLDER3 Filed as: KENNETH A. HOLDER | 870 GREENSHANK DRIVE HAINES CITY, FL 33844 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $112 | $2K | 1.63% |
| SARAH WEYMOUTH3 | 306 MAPLE AVENUE KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $217 | $2K | 1.35% |
| CALVON Y BUCZKOWSKI3 Filed as: CALVON Y. BUCZKOWSKI | 2608 TALL MAPLE LOOP OCOSE, FL 34761 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $503 | $385 | $888 | 0.76% |
| GINAKES & ASSOCIATES LLC3 | 1020 W. INTERNATIONAL SPEEDWAY DAYTONA BEACH, FL 32114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $274 | — | $274 | 0.24% |
| CARUSO INSURANCE BENEFITS INC3 Filed as: CARUSO INSURANCE BENEFITS INC. | 10872 WILDERNESS CT. ORLANDO, FL 32821 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $268 | — | $268 | 0.23% |
| OMAR ENRIQUE FIGUEROA3 | 3424 DOUGLAS CT. KISSIMMEE, FL 34746 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $169 | $8 | $177 | 0.15% |
| OMAR ENRIQUE FIGUEROA3 | 3424 DOUGLAS CT. KISSIMMEE, FL 34746 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $169 | $8 | $177 | 0.15% |
| EMPLOYEE BENEFITS GROUP OF FLORIDA3 | 855 S DILLARD ST. WINTER GARDEN, FL 34787 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $126 | $44 | $170 | 0.15% |
| BARBARA C BRENLOVE3 | PO BOX 470701 CELEBRATION, FL 34747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $164 | — | $164 | 0.14% |
| ROBERT SHAVERS3 | 13716 HAWKEYE DR. ORLANDO, FL 32837 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $150 | — | $150 | 0.13% |
| SANTE CONCEPTS INC3 | 94 BARTLETT WAY DALLAS, GA 30157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | — | $58 | 0.05% |
| JENNIFER ARRINGTON3 | 107 BELLVIEW DR TAYLORS, SC 29687 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | — | $55 | 0.05% |
| KAREN PICCININI3 | 425 W. COLONIAL DRIVE ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | — | $53 | 0.05% |
| 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 | $43 | — | $43 | 0.04% |
| SAMANTHA C CORTELAZZO-ABBATE3 | 1283 TWIN RIVERS BLVD OVIEDO, FL 32766 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.04% |
| COLLETTE G BOISVERT3 Filed as: COLLETTE G. BOISVERT | 349 CENTRAL AVENUE MANCHESTER, NH 03103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.03% |
| MICHAEL G BOYCE3 | 2622 WYMAN CIRCLE KISSIMME, FL 34744 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $6 | $26 | 0.02% |
| DEANA BOUFFORD3 | 406 MAHOGANY RIDGE DR DAVENPORT, FL 33897 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.02% |
| JAMES C HAIR3 Filed as: JAMES C. HAIR | 13833 WELLINGTON TRACE WELLINGTON, FL 33414 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.02% |
| R J K & ASSOCIATES INC3 Filed as: R J K & ASSOCIATES | 1800 PEACHTREE STREET NW ATLANTA, GA 30309 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $8 | $15 | 0.01% |
| WYNCIN P MARTIN3 | 228 BALBOA DR. KISSIMMEE, FL 34758 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.01% |
| MARK E WERNER II3 | 4423 WYNN ROAD BALTIMORE, MD 21236 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.01% |
| CATHERINE ANN ARAUJO3 | 2570 NW 94TH WAY SUNRISE, FL 33322 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| JOHN C. PANEK3 | 228 CROCKER DRIVE BEL AIR, MD 21014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| GRACE V NEAD3 Filed as: GRACE V. NEAD | 1015 STATE PARK ROAD GREENVILLE, SC 29609 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| ASHLEY ELIZABETH SEAGO3 | 1117 S MAGNOLIA DRIVE TALLAHASSEE, FL 32301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| JOSEPH GLENN EVANS3 | 4312 DIAMOND TERRACE WESTON, FL 33331 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| TRACEY MATZ3 | 2036 MARDIC DRIVE FOREST HILL, MD 21050 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| B & B INSURANCE SOLUTIONS INC3 Filed as: B & B INSURANCE SOLUTIONS INC. | 12002 SW 128TH COURT MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| LAKIESHIA YEUVONNE MCGHEE3 | P.O. BOX 233 UNION CITY, GA 30291 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| GCG FINANCIAL LLC3 Filed as: RAYMOND M. DICKERSON | 109 ROCHESTER ROAD EASLEY, SC 29640 | 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% |
| SEAN MICHAEL STORY3 | 1112 SOUTH MAGNOLIA DRIVE TALLAHASSEE, FL 32301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| BOBBY SCALES SR AND ASSOCIATES3 | 6945 LANCASTER CIRCLE CUMMING, GA 30040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| ROBERT LEE SMITH ESTATE3 | 3160 THRASHER CIRCLE DECATUR, GA 30032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 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% |
| SHIRONDA YOUNG3 | 221 CACTUS ST TALLAHASSEE, FL 32304 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.00% |
| JOEY MIGUES3 Filed as: JOEY GRUBBS BENEFITS LLC | 682 VALLEY VIEW ROAD MONTICELLO, FL 32344 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.00% |
| JULIET A BRUNO3 Filed as: JULIET A. BRUNO | 3926 COUNTRY CLUB BLVD. CAPE CORAL, FL 33904 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| KLD INSURANCE BENEFITS INC3 Filed as: KLD INSURANCE BENEFITS INC. | 9085 BETHEL ROAD GAINESVILLE, GA 30506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MACDOUGALL BENEFITS LLC3 | 613 S POKEBERRY PLACE SAINT JOHNS, FL 32259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| HELENA STORY LLC3 | 14148 MAHOGANY AVENUE JACKSONVILLE, FL 32258 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| BRIAN R CHOWNING3 | 36241 S GRAYS AIRPORT ROAD KISSIMMEE, FL 34744 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEM INC. | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | 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 Filed as: THE INS. & PAYROLL GROUP | 1101 N LAKE DESTINY RD 100 MAITLAND, FL 32751 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| THE INS & PAYROLL RESOURCE3 | 1101 N LAKE DESTINY RD 100 MAITLAND, FL 32751 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $3K | — | $3K | 10.00% |
| THE INS & PAYROLL RESOURCE3 Filed as: THE INS. & PAYROLL RESOURCE GROUP | 1101 N. LAKE DESTINY ROAD SUITE 100 MAITLAND, FL 32751 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 20.00% |
| THE INS & PAYROLL RESOURCE3 Filed as: THE INS. & PAYROLL GROUP | 1101 N. LAKE DESTINY ROAD SUITE 100 MAITLAND, FL 32751 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 20.00% |
| THE INS & PAYROLL RESOURCE3 | 1101 N LAKE DESTINY RD 100 MAITLAND, FL 32751 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $483 | — | $483 | 10.00% |
| THE INSURANCE & PAYROLL RESOURCE GR3 | 1101 N LAKE DESTINY RD 100 MAITLAND, FL 32751 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $150 | — | $150 | 10.01% |
| THE INS & PAYROLL RESOURCE3 | 1101 N LAKE DESTINY RD 100 MAITLAND, FL 32751 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $15 | — | $15 | 9.80% |
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 | 208 | 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) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(5 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 211 | $159K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 211 | $127K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 317 | $52K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 132 | $137K |
| Long-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 132 | $116K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 317 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 317 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.