| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 203383 DALLAS, TX 75320 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | $0 | $12K | 9.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | UNKNOWN CELEBRATION, FL 34747 | UNION SECURITY INSURANCE COMPANY | $6K | $0 | $6K | 8.01% |
| USI INSURANCE SERVICES LLC3 | PO BOX 203383 DALLAS, TX 75320 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $0 | $4K | 7.71% |
| USI INSURANCE SERVICES LLC3 | 301 EAST PINE STREET, SUITE 240 ORLANDO, FL 32801 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 9.13% |
| STRATEGIC BENEFITS3 Filed as: THE STRATEGIC GROUP INC. | 16029 NORTH FLORIDA AVENUE LUTZ, FL 33549 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $127 | $0 | $127 | 3.44% |
| ANDERSON BENEFIT SOLUTIONS3 | 3821 LAKE PADGETT DRIVE LAND O LAKES, FL 34639 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $94 | $0 | $94 | 2.54% |
| RONALD SADOFSKY3 | 13553 CREST LAKE DRIVE HUDSON, FL 34669 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $60 | $0 | $60 | 1.62% |
| SAMUEL K RENNARD3 Filed as: SAMUEL K. RENNARD | 1409 ALLISON AVENUE ALTAMONTE SPRINGS, FL 32701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | $16 | $60 | 1.62% |
| CHOICE BENEFIT SOLUTIONS AND OTHERS3 | 525 CAPRI BOULEVARD TREASURE ISLAND, FL 33706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | $5 | $38 | 1.03% |
| HEIL BUSINESS SOLUTIONS CORPORATION3 | 5911 85TH TERRACE NORTH PINELLAS PARK, FL 33781 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | $0 | $37 | 1.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | UNKNOWN TAMPA, FL 33607 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | $0 | $34 | 0.92% |
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 | 537 | 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) | 537 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 353 | $132K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 258 | $27K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 576 | $129K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 576 | $129K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 576 | $125K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 258 | $27K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 576 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 576 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.