| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 | P.O. BOX 162207 ALTAMONTE SPRINGS, FL 327162207 | BLUE CROSS BLUE SHIELD OF FLORIDA | $48K | — | $48K | 3.00% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE ROAD #434 LONGWOOD, FL 32750 | GUARDIAN | $31K | $7K | $37K | 10.82% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE ROAD #434 LONGWOOD, FL 32750 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $1K | $8K | 15.08% |
| WORKSITE BENEFITS SOLUTION LLC3 Filed as: WORKSITE BENEFITS SOLUTION, LLC | 323 PLEASANT ST KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $616 | $3K | 5.25% |
| SARAH WEYMOUTH3 | 306 MAPLE AVE KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $364 | $2K | 2.89% |
| OMAR ENRIQUE FIGUEROA3 | 3424 DOUGLAS CT. KISSIMMEE, FL 34746 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $61 | $1K | 2.26% |
| ROBERT SHAVERS3 | 1537 COLONY AVE KISSIMMEE, FL 34744 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $28 | $1K | 2.06% |
| KENNETH A HOLDER3 Filed as: KENNETH A. HOLDER | 638 LAKEHAVEN CIRCLE ORLANDO, FL 32828 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $800 | $20 | $820 | 1.55% |
| CARUSO INSURANCE BENEFITS INC3 Filed as: CARUSO INSURANCE BENEFITS, INC | 10872 WILDERNESS CT ORLANDO, FL 32821 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $651 | $51 | $702 | 1.33% |
| WINFREDA HELEN LUTZ3 | 16658 HAMILTON DR. ORLANDO, FL 32833 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $648 | $10 | $658 | 1.25% |
| CALVON Y BUCZKOWSKI3 Filed as: CALVON Y. BUCZKOWSKI | 2608 TALL MAPLE LOOP OCOEE, FL 34761 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $210 | $188 | $398 | 0.75% |
| JENNIFER WEYMOUTH RESMONDO3 Filed as: JENNIFER WEYMOUTH EVANS | 2940 OAKTREE DR KISSIMMEE, FL 34744 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $231 | $77 | $308 | 0.58% |
| GINAKES & ASSOCIATES LLC3 Filed as: GINAKES & ASSOCIATES, LLC | 1020 WEST INTERNATIONAL SPEEDWAY DAYTONA BEACH, FL 32114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $83 | — | $83 | 0.16% |
| DEANNA BOUFFORD3 | 323 PLEASANT ST KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | — | $62 | 0.12% |
| JAWAD HIDANE3 | 109 AMBERSWEET WAY DAVENPORT, FL 33897 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.08% |
| WENDY M SILVA3 Filed as: WENDY M. SILVA | 917 WINDMILL GROVE CIRCLE ORLANDO, FL 32828 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.05% |
| CONSTANCE LABONTE3 | 4824 WILLOW RIDGE TERRACE VALRICO, FL 33594 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.04% |
| BARBARA C BRENLOVE3 Filed as: BARBARA C. BRENLOVE | P.O. BOX 470701 CELEBRATION, FL 34747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.03% |
| MELISSA ATKINS3 | 1068 LOTUS PKWY #833 ALTAMONTE SPRINGS, FL 32714 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.02% |
| RODERICK A. SENIOR3 | 11820 SWEET PEA CT TAMPA, FL 33635 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE ROAD #434 LONGWOOD, FL 32750 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $931 | $7K | 13.84% |
| WORKSITE BENEFITS SOLUTION LLC3 Filed as: WORKSITE BENEFITS SOLUTION, LLC | 323 PLEASANT ST KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $415 | $2K | 4.23% |
| TONI E STEED LLC3 Filed as: TONI E. STEED, LLC | 11218 WARFIELD AVE HUNTERSVILLE, NC 28078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $321 | $2K | 4.17% |
| SARAH WEYMOUTH3 | 306 MAPLE AVE KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $302 | $1K | 2.67% |
| ERIKA ROBERTS-POE3 | 4768 MYERS LANE HARRISBURG, NC 28075 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $439 | $61 | $500 | 0.97% |
| DENISE R. BAKER3 | 127 1ST AVE. N. CONOVER, NC 28613 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $486 | — | $486 | 0.94% |
| MANDY M WIEDEMAN3 Filed as: MANDY M. WIEDEMAN | 3422 LEANING PINE DR. LINCOLNTON, NC 28092 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $371 | $36 | $407 | 0.79% |
| CALVON Y BUCZKOWSKI3 Filed as: CALVON Y. BUCZKOWSKI | 2608 TALL MAPLE LOOP OCOEE, FL 34761 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $186 | $167 | $353 | 0.69% |
| DAVID MASON DOKELL3 | 127 GREAT POINT DR MOORESVILLE, NC 28117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $262 | $71 | $333 | 0.65% |
| JENNIFER WEYMOUTH RESMONDO3 Filed as: JENNIFER WEYMOUTH EVANS | 2940 OAKTREE DR KISSIMMEE, FL 34744 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $213 | $73 | $286 | 0.56% |
| OMAR ENRIQUE FIGUEROA3 | 3424 DOUGLAS CT. KISSIMMEE, FL 34746 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $186 | $11 | $197 | 0.38% |
| LYNN MARIE BARRY3 Filed as: LYNN M. MCLEOD | 93 SCHOOL HOUSE RD. MILLS RIVER, NC 28759 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $127 | $58 | $185 | 0.36% |
| ARTHUR WAYNE JORDAN JR3 Filed as: ARTHUR WAYNE JORDAN JR. | 514 OAKWOOD AVE. RALEIGH, NC 27601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $139 | — | $139 | 0.27% |
| KJELL T TERRELL3 Filed as: KJELL T. TERRELL | 327 GOLF COURSE DR RALEIGH, NC 27610 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $115 | — | $115 | 0.22% |
| GINAKES & ASSOCIATES LLC3 Filed as: GINAKES & ASSOCIATES, LLC | 1020 WEST INTERNATIONAL SPEED DAYTONA BEACH, FL 32114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $113 | — | $113 | 0.22% |
| JESSIE R CAPLEY3 Filed as: JESSIE R. CAPLEY | 1716 STILLWATER DR COLUMBIA, SC 29212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $103 | — | $103 | 0.20% |
| WHICKER PARTNERSHIPS INC3 Filed as: WHICKER PARTNERSHIPS INC. | 6775 DORAL DR TOBACCOVILLE, NC 27050 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $81 | $9 | $90 | 0.17% |
| DONNA N DWYER3 Filed as: DONNA N. DWYER | 1540 WESTBROOK PLAZA DR. WINSTON SALEM, NC 27103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | $33 | $76 | 0.15% |
| SUSAN FONTENOT3 | 10717 DAPPLE GREY LANE CHARLOTTE, NC 28213 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.07% |
| NANCY BAUCOM3 | 940-12 JETTON ST DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.03% |
| BRIAN FLANNERY3 | 183 WINDSOR GREEN DRIVE CLAYTON, NC 27527 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| BENEFITS COUNT INC3 Filed as: BENEFITS COUNT II, INC | 248 RIVERWOOD DR LEWISVILLE, NC 27023 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| KRISTEN BIBLE3 | 2608 NOBLE RD RALEIGH, NC 27608 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| JEAN A MARCHI3 Filed as: JEAN A. MARCHI | P.O. BOX 1677 MT. AIRY, NC 27030 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $1 | $5 | 0.01% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 116 SPINEL LN KNIGHTGALE, NC 27545 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $1 | $5 | 0.01% |
| INSYNC BENEFITS INC3 Filed as: INSYNC BENEFITS, INC | P.O. BOX 1474 CORNELIUS, NC 28031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| WILLIAMS BENEFITS SOLUTIONS LLC3 Filed as: WILLIAMS BENEFITS SOLUTIONS, LLC | 1116 WILDWOOD CIRCLE LEESVILLE, SC 29070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| HOBART BRADLEY MCCOLLUM3 | 1479 FIRE TOWER ROAD PROSPERITY, SC 29127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEM, INC. | 245 SEVEN FARMS DR. DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| BARBARA C. FAW3 | 507 HAMBY MOUNTAIN ROAD PURLEAR, NC 28665 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE ROAD #434 LONGWOOD, FL 32750 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $361 | $2K | 18.95% |
| WORKSITE BENEFITS SOLUTION LLC3 Filed as: WORKSITE BENEFITS SOLUTION, LLC | 323 PLEASANT ST KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $624 | $212 | $836 | 6.53% |
| OMAR ENRIQUE FIGUEROA3 | 3424 DOUGLAS CT. KISSIMMEE, FL 34746 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $510 | $27 | $537 | 4.20% |
| SARAH WEYMOUTH3 | 306 MAPLE AVE KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $344 | $122 | $466 | 3.64% |
| KENNETH A HOLDER3 Filed as: KENNETH A .HOLDER | 638 LAKEHAVEN CIRCLE ORLANDO, FL 32828 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $220 | $7 | $227 | 1.77% |
| WINFREDA HELEN LUTZ3 | 16658 HAMILTON DR. ORLANDO, FL 32833 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $219 | $3 | $222 | 1.74% |
| DEANNA BOUFFORD3 | 323 PLEASANT ST KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $191 | $1 | $192 | 1.50% |
| WENDY M SILVA3 Filed as: WENDY M. SILVA | 917 WINDMILL GROVE CIRCLE ORLANDO, FL 32828 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $166 | — | $166 | 1.30% |
| CALVON Y BUCZKOWSKI3 Filed as: CALVON Y. BUCZKOWSKI | 2608 TALL MAPLE LOOP OCOEE, FL 34761 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | $59 | $125 | 0.98% |
| JENNIFER WEYMOUTH RESMONDO3 Filed as: JENNIFER WEYMOUTH EVANS | 2940 OAKTREE DR KISSIMMEE, FL 34744 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $92 | $32 | $124 | 0.97% |
| ROBERT SHAVERS3 | 1537 COLONY AVE KISSIMMEE, FL 34744 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.34% |
| CARUSO INSURANCE BENEFITS INC3 Filed as: CARUSO INSURANCE BENEFITS, INC | 10872 WILDERNESS CT ORLANDO, FL 32821 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | $3 | $32 | 0.25% |
| GINAKES & ASSOCIATES LLC3 Filed as: GINAKES & ASSOCIATES, LLC | 1020 WEST INTERNATIONAL SPEEDWAY DAYTONA BEACH, FL 32114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.09% |
| MELISSA ATKINS3 | 1068 LOTUS PKWY #833 ALTAMONTE SPRINGS, FL 32714 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.06% |
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 | 508 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 508 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 240 | $1.6M |
| Dental | GUARDIAN | 391 | $343K |
| Vision | GUARDIAN | 391 | $343K |
| Life insurance | GUARDIAN | 391 | $343K |
| Short-term disability | GUARDIAN | 391 | $343K |
| Long-term disability | GUARDIAN | 391 | $343K |
| Other(3 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 114 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 391 | — |
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.