| 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 | $86K | $0 | $86K | 5.07% |
| JAMES L. ERB3 | 3717 WEST NORTH B STREET TAMPA, FL 33609 | NORTHWESTERN MUTUAL | $5K | $1K | $7K | 4.81% |
| O'CONNELL FINANCIAL GROUP, INC.3 | 1511 NORTH WEST SHORE BOULEVARD SUITE 800 TAMPA, FL 33607 | NORTHWESTERN MUTUAL | $1K | $130 | $1K | 0.86% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS CORP. | 16029 NORTH FLORIDA AVENUE LUTZ, FL 33549 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $64 | $5K | 7.76% |
| ALLYN INCORPORATED3 | 14813 SEMINOLE TRAIL SEMINOLE, FL 33776 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $35 | $3K | 4.80% |
| CHAUNDRA F MILES-WALKER3 Filed as: CHAUNDRA FELECIA MILES-WALKER | 11415 NEWGATE CREST DRIVE RIVERVIEW, FL 33579 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $9 | $3K | 4.26% |
| ANDERSON BENEFIT SOLUTIONS3 Filed as: ANDERSON BNFT. SLTNS & OTHER AGENTS | 3821 LAKE PADGETT DRIVE LAND O LAKES, FL 34639 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $90 | $1K | 2.19% |
| NYRA VELASCO3 | 1904 CAPRI ROAD VALRICO, FL 33594 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $729 | $123 | $852 | 1.42% |
| M.E. WILSON COMPANY, LLC3 Filed as: M. E. WILSON COMPANY, INC. | PO BOX 373 TAMPA, FL 33601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $809 | $0 | $809 | 1.35% |
| COACH CONCEPTS INC3 Filed as: COACH CONCEPTS, INC. | 5655 OAKHURST DRIVE SEMINOLE, FL 33772 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $451 | $45 | $496 | 0.83% |
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 | 223 | 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) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE LIFE INSURANCE COMPANY | 380 | $1.7M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 223 | $0 |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 223 | $0 |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 51 | $60K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 51 | $60K |
| Long-term disability | NORTHWESTERN MUTUAL | 223 | $141K |
| Prescription drug | UNITEDHEALTHCARE LIFE INSURANCE COMPANY | 380 | $1.7M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE LIFE INSURANCE COMPANY | 380 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 380 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.