| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $39K | $42K | 4.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | PO BOX 1027 CLEARWATER, FL 33757 | UNITEDHEALTHCARE INSURANCE COMPANY | -$2K | $411 | -$1K | -0.13% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 10.00% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| TRILOGY BENEFITS CONSULTING LLC3 Filed as: TRILOGY BENEFITS CONSULTING, LLC | 5908 HAMMOCK WOODS DRIVE ODESSA, FL 33556 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $1K | $3K | 13.71% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | PO BOX 1027 CLEARWATER, FL 33757 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $898 | $60 | $958 | 5.20% |
| BRYAN ANTHONY GONZALEZ3 | 8408 QUARTZ PLACE TAMPA, FL 33615 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $709 | $115 | $824 | 4.47% |
| PAUL AQUILINO3 Filed as: PAUL AQUILINO AND VAR OTHER AGENTS | 16228 PEBBLEBROOK DRIVE TAMPA, FL 33624 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $359 | $402 | $761 | 4.13% |
| HEIL BUSINESS SOLUTIONS CORPORATION3 | 4921 PENNSBURY DRIVE TAMPA, FL 33624 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $417 | $148 | $565 | 3.07% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $378 | $69 | $447 | 2.43% |
| JARRET THOMAS HONAHAN3 | 7 HARBOR OAKS CIRCLE SAFETY HARBOR, FL 34695 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $195 | $104 | $299 | 1.62% |
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 | 198 | 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) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 275 | $953K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 141 | $72K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 275 | $953K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 198 | $69K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 198 | $69K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 198 | $69K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 275 | $953K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 198 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 275 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.