| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES L. ERB3 | 3717 WEST NORTH B STREET TAMPA, FL 33609 | NORTHWESTERN MUTUAL | $3K | $690 | $3K | 6.17% |
| TYLER A WRAGE3 Filed as: TYLER A. WRAGE | 16020 NORTH FLORIDA AVENUE LUTZ, FL 33549 | NORTHWESTERN MUTUAL | $2K | $454 | $2K | 4.06% |
| O'CONNELL FINANCIAL GROUP, INC.3 | 1511 NORTH WEST SHORE BOULEVARD SUITE 500 TAMPA, FL 33607 | NORTHWESTERN MUTUAL | $913 | $110 | $1K | 1.84% |
| KEVIN O CONNELL3 Filed as: KEVIN O'CONNELL | 1511 NORTH WEST SHORE BOULEVARD SUITE 500 TAMPA, FL 33607 | NORTHWESTERN MUTUAL | $23 | $6 | $29 | 0.05% |
| STRATEGIC BENEFITS3 Filed as: THE STRATEGIC GROUP, INC. | 16029 NORTH FLORIDA AVENUE LUTZ, FL 33549 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 8.31% |
| ANDERSON BENEFIT SOLUTIONS3 | 3821 LAKE PADGETT DRIVE LAND O LAKES, FL 34639 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $708 | $31 | $739 | 2.38% |
| MJ INSURANCE3 Filed as: RENA BUSER AND VARIOUS AGENTS | 1517 BANNER ELK STREET VALRICO, FL 33594 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $592 | $35 | $627 | 2.02% |
| WILLIAM E GECEWICZ3 Filed as: WILLIAM E. GECEWICZ | 11113 LAKESIDE VISTA DRIVE RIVERVIEW, FL 33569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $329 | $0 | $329 | 1.06% |
| HEIL BUSINESS SOLUTIONS CORPORATION3 | 2150 49TH STREET NORTH, SUITE F SAINT PETERSBURG, FL 33710 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $261 | $10 | $271 | 0.87% |
| ALLYN INCORPORATED3 | 14813 SEMINOLE TRAIL SEMINOLE, FL 33776 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $246 | $1 | $247 | 0.80% |
| CHAUNDRA F MILES-WALKER3 Filed as: CHAUNDRA F. MILES-WALKER | 11415 NEWGATE CREST DRIVE RIVERVIEW, FL 33579 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $203 | $10 | $213 | 0.69% |
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 | 100 | 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) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE LIFE INSURANCE COMPANY | 91 | $0 |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 91 | $0 |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 91 | $0 |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 27 | $31K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 27 | $31K |
| Long-term disability | NORTHWESTERN MUTUAL | 91 | $56K |
| Prescription drug | UNITEDHEALTHCARE LIFE INSURANCE COMPANY | 91 | $0 |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 91 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 91 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.