| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | UNITEDHEALTHCARE INSURANCE COMPANY | $51K | $2K | $53K | 4.37% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $2K | $13K | 17.67% |
| PHRI LLC3 | 35 PARKWOOD DRIVE, SUITE 200 HOPKINTON, MD 01748 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 1.89% |
| THOMPSON RISK II, LLC3 Filed as: THOMPSON RISK LLC | 2575 NORTHBROOKE PLAZA DRIVE UNIT 204 NAPLES, FL 34119 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $843 | $0 | $843 | 1.11% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $534 | $128 | $662 | 14.12% |
| DEBRA DAIGLE AMOEDO3 Filed as: DEBRA AMOEDO | 12750 GRECO DRIVE ORLANDO, FL 32824 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $242 | $3 | $245 | 5.22% |
| WORKSITE BENEFIT SOLUTIONS INC3 Filed as: WORKSITE BENEFIT SOLUTIONS LLC | 2622 WYMAN CIRCLE KISSIMMEE, FL 34744 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $96 | $41 | $137 | 2.92% |
| SARAH WEYMOUTH3 Filed as: SARAH WEYMOUTH LLC | 107 OCEAN TERRACE INDIATLANTIC, FL 32903 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $91 | $42 | $133 | 2.84% |
| JENNIFER WEYMOUTH RESMONDO3 Filed as: JENNIFER WEYMOUTH LLC | 2940 OAKTREE DRIVE KISSIMMEE, FL 34744 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $65 | $19 | $84 | 1.79% |
| MJ INSURANCE3 Filed as: MICHAEL BOYCE AND VARIOUS AGENTS | 518 TENNESSEE AVENUE SAINT CLOUD, FL 32824 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $43 | $34 | $77 | 1.64% |
| CALVON Y BUCZKOWSKI3 Filed as: CALVON BUCZKOWSKI | 204 COVERED BRIDGE DRIVE OCOEE, FL 34761 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $47 | $24 | $71 | 1.51% |
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 | 296 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 270 | $1.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 270 | $1.2M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 270 | $1.2M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 274 | $76K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 274 | $76K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 274 | $76K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 270 | $1.2M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 274 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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.