| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SVCS USA INC | PO BOX 601478 CHARLOTTE, NC 28260 | UNITEDHEALTHCARE INSURANCE COMPANY | $27K | $0 | $27K | 6.86% |
| WELLS FARGO INSURANCE SERVICES Filed as: WELLS FARGO INSURANCE SVCS USA INC | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | $0 | $9K | 2.24% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SVCS USA INC | PO BOX 203383 DALLAS, TX 75320 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | $3K | $15K | 10.11% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SVCS USA INC | PO BOX 203383 DALLAS, TX 75320 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | $3K | $15K | 16.15% |
| STRATEGIC BENEFITS3 Filed as: THE STRATEGIC GROUP INC | 16029 NORTH FLORIDA AVENUE LUTZ, FL 33549 | COLONIAL LIFE & ACCIDENT INS CO | $162 | $0 | $162 | 2.76% |
| ANDERSON BENEFIT SOLUTIONS3 | 7408 VAN DYKE ROAD ODESSA, FL 33556 | COLONIAL LIFE & ACCIDENT INS CO | $145 | $0 | $145 | 2.47% |
| RONALD SADOFSKY3 | 2827 TORRANCE DRIVE LAND OLAKES, FL 34638 | COLONIAL LIFE & ACCIDENT INS CO | $58 | $0 | $58 | 0.99% |
| HEIL BUSINESS SOLUTIONS CORPORATION3 Filed as: HEIL BUSINESS SOLUTIONS CORPORTION | 4921 PENNSBURY DRIVE TAMPA, FL 33624 | COLONIAL LIFE & ACCIDENT INS CO | $54 | $0 | $54 | 0.92% |
| CHOICE BENEFIT SOLUTIONS AND OTHERS3 Filed as: CHOICE BENEFIT SOLTIONS INC | 7408 VAN DYKE ROAD ODESSA, FL 33556 | COLONIAL LIFE & ACCIDENT INS CO | $22 | $0 | $22 | 0.37% |
| TRILOGY BENEFITS CONSULTING LLC3 | 5908 HAMMOCK WOODS DRIVE ODESSA, FL 33556 | COLONIAL LIFE & ACCIDENT INS CO | $18 | $0 | $18 | 0.31% |
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 | 427 | 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) | 427 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 304 | $150K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 388 | $394K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 427 | $99K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 427 | $93K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 427 | $93K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 427 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 427 | — |
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.