| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9850 NW 41ST STREET, SUITE 100 DORAL, FL 33178 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | $85K | $95K | 6.64% |
| DONNA GRIBBEN CARRILLO3 | 130 WHITAKER ROAD, SUITE A LUTZ, FL 33549 | NORTHWEST MUTUAL | $4K | $1K | $5K | 4.18% |
| THERESA STONER ANNUNZIATA3 | 700 CENTRAL AVENUE, SUITE 300 ST. PETERSBURG, FL 33701 | NORTHWEST MUTUAL | $1K | $335 | $2K | 1.39% |
| OCONNELL FNCL GRP INC3 Filed as: OCONNELL FINANCIAL GROUP, INC. | 1511 NORTH WEST SHORE BOULEVARD SUITE 800 TAMPA, FL 33607 | NORTHWEST MUTUAL | $932 | $207 | $1K | 0.95% |
| KACEE ELIZABETH HOWES3 | 700 CENTRAL AVENUE, SUITE 300 ST. PETERSBURG, FL 33701 | NORTHWEST MUTUAL | $133 | $48 | $181 | 0.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9850 NW 41ST STREET, SUITE 100 MIAMI, FL 33178 | USABLE LIFE | $4K | $0 | $4K | 14.82% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PARKWAY SUITE DC/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $269 | $0 | $269 | 1.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 161 WASHINGTON STREET, SUITE 1200 CONSHOHOCKEN, PA 19428 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $519 | $67 | $586 | 5.47% |
| WILLIAM E GECEWICZ3 Filed as: WILLIAM E. GECEWICZ | 11113 LAKESIDE VISTA DRIVE RIVERVIEW, FL 33569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $456 | $72 | $528 | 4.93% |
| ANDERSON BENEFIT SOLUTIONS3 | 3821 LAKE PADGETT DRIVE LAND O LAKES, FL 34639 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $432 | $82 | $514 | 4.80% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST, LLC | 4211 WEST BOY SCOUT BOULEVARD TAMPA, FL 33607 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $304 | $0 | $304 | 2.84% |
| CHOICE BENEFITS SOLUTIONS LLC3 Filed as: CHOICE BENEFITS SOLUTIONS, LLC | 11399 81ST PLACE SEMINOLE, FL 33772 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $133 | $127 | $260 | 2.43% |
| HEIL BUSINESS SOLUTIONS CORPORATION3 | 3909 SHORESIDE CIRCLE TAMPA, FL 33624 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $152 | $0 | $152 | 1.42% |
| LUCAS GARTENMAYER3 Filed as: LUCAS GARTENMAYER AND OTHER AGENTS | 39051 12TH AVENUE ZEPHYRHILLS, FL 33542 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $103 | $35 | $138 | 1.29% |
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 | 110 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 196 | $1.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 196 | $1.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 196 | $1.4M |
| Life insurance | USABLE LIFE | 110 | $27K |
| Short-term disability | NORTHWEST MUTUAL | 95 | $120K |
| Long-term disability | NORTHWEST MUTUAL | 95 | $120K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 196 | $1.4M |
| Other(3 contracts, 3 carriers) | NORTHWEST MUTUAL | 110 | $157K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.