| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXCALIBUR FINANCIAL GROUP3 | 302 KNIGHTS RUN AVE SUITE 110 TAMPA, FL 33602 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $9K | $67K | $76K | 5.30% |
| EXCALIBUR FINANCIAL GROUP3 | 812 N VALRICO RD VALRICO, FL 33594 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 12.24% |
| EXCALIBUR FINANCIAL GROUP3 | 302 KNIGHTS RUN AVE SUITE 110 TAMPA, FL 33605 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 22.48% |
| TRILOGY BENEFITS CONSULTING LLC3 Filed as: TRILOGY BENEFITS CONSULTING | 5908 HAMMOCK WOODS DRIVE ODESSA, FL 33556 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $221 | $2K | 7.03% |
| KEITH ANTHONY GROESBECK3 | 1401 15TH ST NORTH ST PETERSBURG, FL 33704 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 6.87% |
| DANIELS SOLUTIONS LLC3 Filed as: DANIELS SOLUTION | 4941 POMPANO DR NEW PORT RICHEY, FL 34652 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $544 | $1K | $2K | 6.18% |
| JEFFREY FABRIZIO3 | 6406 KEY ISLAND AVE APPOLLO BEACH, FL 33572 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 6.00% |
| CORCORAN & HOYT LLC3 Filed as: CORCORAN & HOYT | 12505 BRONCO DRIVE TAMPA, FL 33624 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $580 | $2K | 5.94% |
| ROBERT FABRIZIO3 Filed as: ROBERT BRIAN FABRIZIO | 814 N VALRICO RD VALRICO, FL 33594 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $186 | — | $186 | 0.69% |
| COLIN JAMES MCDOUGALL3 Filed as: COLIN JAMES MCDOUGAL | 2739 DURANT TRAILS BLVD DOVER, FL 33527 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $186 | — | $186 | 0.69% |
| MEADOWBROOK INC3 | 26255 DURANT TRAILS BLVD SOUTHFIELD, MI 48034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.08% |
| HEIL BUSINESS SOLUTIONS CORPORATION3 Filed as: HEIL BUSINESS SOLUTIONS | 5911 85TH TER N PINELLAS PARK, FL 33781 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.07% |
| JANET S DOHERTY3 | 26 PEARL STREET WEST SIDNEY, NY 13838 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $1 | $4 | 0.01% |
| STEVEN VERMETTE INC3 Filed as: STEVEN VERMETTE | 920 SPRING PARK LOOP CELEBRATION, FL 33747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| EXCALIBUR FINANCIAL GROUP3 | 302 KNIGHTS RUN AVE SUITE 110 TAMPA, FL 33605 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $521 | — | $521 | 13.17% |
| EXCALIBUR FINANCIAL GROUP3 | 302 KNIGHTS RUN AVE SUITE 110 TAMPA, FL 33605 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $332 | — | $332 | 15.02% |
| EXCALIBUR FINANCIAL GROUP3 | 812 N VALRICO RD VALRICO, FL 33594 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4 | — | $4 | 9.30% |
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 | 203 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 183 | $1.4M |
| Dental | CIGNA HEALTH & LIFE INSURANCE COMPANY | 183 | $1.4M |
| Vision | CIGNA HEALTH & LIFE INSURANCE COMPANY | 183 | $1.4M |
| Life insurance(4 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 36 | $33K |
| Short-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 49 | $59K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 49 | $28K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 36 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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.