| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC BENEFITS3 Filed as: THE STRATEGIC GROUP, INC. | 16029 NORTH FLORIDA AVENUE LUTZ, FL 33549 | UNITEDHEALTHCARE LIFE INSURANCE COMPANY | $56K | $437 | $56K | 5.14% |
| JAMES L. ERB3 | 3717 WEST NORTH B STREET TAMPA, FL 33609 | NORTHWESTERN MUTUAL | $3K | $711 | $4K | 4.94% |
| TYLER A WRAGE3 Filed as: TYLER A. WRAGE | 16029 NORTH FLORIDA AVENUE LUTZ, FL 33549 | NORTHWESTERN MUTUAL | $2K | $474 | $2K | 3.30% |
| O'CONNELL FINANCIAL GROUP, INC.3 | 1511 NORTH WEST SHORT BOULEVARD SUITE 800 TAMPA, FL 33607 | NORTHWESTERN MUTUAL | $940 | $113 | $1K | 1.47% |
| STRATEGIC BENEFITS3 Filed as: THE STRATEGIC GROUP, INC. | 16029 NORTH FLORIDA AVENUE LUTZ, FL 33549 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 6.09% |
| ALLYN INCORPORATED3 | 14813 SEMINOLE TRAIL SEMINOLE, FL 33776 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $264 | $2K | 3.99% |
| CHAUNDRA F MILES-WALKER3 Filed as: CHAUNDRA F. MILES-WALKER | 11415 NEWGATE CREST DRIVE RIVERVIEW, FL 33579 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $1 | $1K | 3.05% |
| M.E. WILSON COMPANY, LLC3 Filed as: M. E. WILSON COMPANY, INC. | PO BOX 373 TAMPA, FL 33601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 2.86% |
| COACH CONCEPTS INC3 Filed as: COACH CONCEPTS, INC. & OTHER AGENTS | 5655 OAKHURST DRIVE SEMINOLE, FL 33772 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $796 | $207 | $1K | 2.61% |
| HEIL BUSINESS SOLUTIONS CORPORATION3 | 2150 49TH STREET NORTH, SUITE F SAINT PETERSBURG, FL 33710 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $401 | $124 | $525 | 1.36% |
| ANDERSON BENEFIT SOLUTIONS3 | 3821 LAKE PADGETT DRIVE LAND O LAKES, FL 34639 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $420 | $8 | $428 | 1.11% |
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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE LIFE INSURANCE COMPANY | 244 | $1.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 136 | $0 |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 136 | $0 |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 30 | $38K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 30 | $38K |
| Long-term disability | NORTHWESTERN MUTUAL | 136 | $71K |
| Prescription drug | UNITEDHEALTHCARE LIFE INSURANCE COMPANY | 244 | $1.1M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE LIFE INSURANCE COMPANY | 244 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.