| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDERSON THORNTON CONSULTANTS3 | 15429 NORTH FLORIDA AVENUE TAMPA, FL 33613 | HEALTH OPTIONS | $24K | — | $24K | 5.40% |
| ANDERSON THORNTON CONSULTANTS3 | 15429 NORTH FLORIDA AVENUE TAMPA, FL 33613 | BLUE CROSS BLUE SHIELD OF FLORIDA | $20K | — | $20K | 5.00% |
| ANDERSON THORNTON CONSULTANTS3 Filed as: ANDERSON THORNTON CONSULTANTS LLC | 15429 NORTH FLORIDA AVENUE TAMPA, FL 33613 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 14.46% |
| VONDA DANELLE GOLUB3 | 3330 OVERLOOK DR NE SAINT PETERSBURG, FL 33703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 4.05% |
| COACH CONCEPTS INC3 | 5655 OAKHURST DRIVE SEMINOLE, FL 33772 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $324 | $1K | 3.02% |
| JANET S DOHERTY3 | 1001 STARKEY RD LARGO, FL 33771 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $672 | $355 | $1K | 2.29% |
| NYRA VELASCO3 | 1904 CAPRI ROAD VALRICO, FL 33594 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $821 | $106 | $927 | 2.06% |
| GEORGE P. THORNTON3 Filed as: GEORGE P THORNTON | 15429 NORTH FLORIDA AVENUE TAMPA, FL 33613 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $407 | — | $407 | 0.91% |
| CYNTHIA LERNER RUBIN3 | 445 DOCKSIDE DR NAPLES, FL 34110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $360 | $5 | $365 | 0.81% |
| TIMOTHY B DONNELLY3 | 5960 92ND AVE N PINELLAS PARK, FL 33782 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $337 | $23 | $360 | 0.80% |
| CHAUNDRA F MILES-WALKER3 | 11415 NEWGATE CREST DRIVE RIVERVIEW, FL 33579 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $287 | $36 | $323 | 0.72% |
| CARRIE RUTTER3 | 290714TH ST N ST PETERSBURG, FL 33704 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $307 | — | $307 | 0.68% |
| MICHAEL D MCMULLEN3 | 3726 VILLAGE ESTATES PLACE TAMPA, FL 33618 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $188 | — | $188 | 0.42% |
| CREATIVE BENEFIT CONSULTANTS INC3 | 18214 102ND WAY S BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $84 | $95 | $179 | 0.40% |
| ALLYN INCORPORATED3 | 14813 SEMINOLE TRAIL SEMINOLE, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $156 | $13 | $169 | 0.38% |
| DOUGLAS I WINSLOW3 | 6284 105TH TERRACE PINELLAS PARK, FL 33782 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $121 | $20 | $141 | 0.31% |
| SARAH L ANDERSON3 | 15429 NORTH FLORIDA AVENUE TAMPA, FL 33613 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | — | $82 | 0.18% |
| SCHMIDT BENEFIT GROUP INC3 | 512 LYONS BAY RD NOKOMIS, FL 34275 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | $16 | $77 | 0.17% |
| CHOICE BENEFITS SOLUTIONS LLC3 | 525 CAPRI BLVD TREASURE ISLAND, FL 33706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $43 | $57 | 0.13% |
| ANTHONY N TSIKITAS3 | 7575 EAST ARKANSAS AVE DENVER, CO 80231 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.08% |
| KARA LEE CHARLTON3 | 15429 N FLORIDA AVE TAMPA, FL 33613 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.07% |
| ANDERSON BENEFIT SOLUTIONS3 | 3821 LAKE PADGETT DR LAND O LAKES, FL 34639 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $11 | $25 | 0.06% |
| PATRICK GILL GIDDENS3 | 1450 CLERMONT STREET DENVER, CO 80220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $12 | $17 | 0.04% |
| BARBARA C POWELL3 | 8 GLENCOE PL DUNEDIN, FL 34698 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.02% |
| PATMAR GROUP INC3 | 13214 88TH PI N SEMINOLE, FL 33776 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.02% |
| LAURA MCCLUNG PLYLER3 Filed as: LAURA PATRICE NANCE | 13214 88TH PL N SEMINOLE, FL 33776 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| SHIRLEY B DRAKE3 | 14141 46TH STREET N CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| WORKSITE BENEFITS SOLUTION LLC3 Filed as: WORKSITE AMERICA LLC | 14141 CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ANDERSON THORNTON CONSULTANTS3 Filed as: ANDERSON THORNTON CONSULT | 15429 NORTH FLORIDA AVENUE TAMPA, FL 33613 | LINCOLN FINANCIAL GROUP | $3K | — | $3K | 15.00% |
| ANDERSON THORNTON CONSULTANTS3 Filed as: ANDERSON THORNTON CONSULT | 15429 NORTH FLORIDA AVENUE TAMPA, FL 33613 | LINCOLN FINANCIAL GROUP | $2K | — | $2K | 15.00% |
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 | 163 | 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) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 81 | $396K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 163 | $58K |
| Long-term disability | LINCOLN FINANCIAL GROUP | 163 | $21K |
| Other | LINCOLN FINANCIAL GROUP | 163 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.