| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LANIER UPSHAW, INC.3 Filed as: LANIER UPSHAW INC | PO BOX 468 LAKELAND, FL 33802 | HUMANA | $59K | — | $59K | 6.07% |
| LANIER UPSHAW, INC.3 Filed as: LANIER UPSHAW INC | PO BOX 468 LAKELAND, FL 33802 | HUMANA | $12K | — | $12K | 8.77% |
| LANIER UPSHAW, INC.3 Filed as: LANIER UPSHAW INC | PO BOX 468 LAKELAND, FL 33802 | HUMANA | $7K | — | $7K | 5.92% |
| DONNA GRIBBEN CARRILLO3 | 2107 W MINNEHAHA ST TAMPA, FL 33604 | NORTHWESTERN MUTUAL | $4K | $960 | $5K | 6.37% |
| JOHN R STONER ORGANIZATION INC3 Filed as: JOHN R STONER | 700 CENTRAL AVE STE 300 ST PETERSBURG, FL 33701 | NORTHWESTERN MUTUAL | $1K | $320 | $2K | 2.12% |
| OCONNELL FNCL GRP INC3 | STE 500 1511 N WEST SHORE BLVD TAMPA, FL 33607 | NORTHWESTERN MUTUAL | $556 | $67 | $623 | 0.83% |
| NICOLE ELISE STOKES3 | SUITE 670 8800 GRAND OAK CIR TAMPA, FL 33637 | NORTHWESTERN MUTUAL | $381 | $137 | $518 | 0.69% |
| DAVID HOOD3 | 700 CENTRAL AVE STE 300 ST PETERSBURG, FL 33701 | NORTHWESTERN MUTUAL | $60 | $22 | $82 | 0.11% |
| HOLLEE ANN KIER3 | 700 CENTRAL AVE STE 300 ST PETERSBURG, FL 33701 | NORTHWESTERN MUTUAL | $19 | $7 | $26 | 0.03% |
| DONNA GRIBBEN CARRILLO3 | 2107 W. MINNEHAHA ST TAMPA, FL 33604 | NORTHWESTERN MUTUAL | $2K | $556 | $3K | 5.79% |
| JOHN R STONER ORGANIZATION INC3 Filed as: JOHN R STONER | 700 CENTRAL AVE STE 300 ST. PETERSBURG, FL 33701 | NORTHWESTERN MUTUAL | $735 | $185 | $920 | 1.93% |
| OCONNELL FNCL GRP INC3 | STE 500 1511 N WEST SHORE BLVD TAMPA, FL 33607 | NORTHWESTERN MUTUAL | $306 | $37 | $343 | 0.72% |
| NICOLE ELISE STOKES3 | SUITE 670 8800 GRAND OAK CIR TAMPA, FL 33637 | NORTHWESTERN MUTUAL | $220 | $79 | $299 | 0.63% |
| DAVID HOOD3 | 700 CENTRAL AVE STE 300 ST PETERSBURG, FL 33701 | NORTHWESTERN MUTUAL | $50 | $18 | $68 | 0.14% |
| HOLLEE ANN KIER3 | 700 CENTAL AVE STE 300 ST. PETERSBURG, FL 33701 | NORTHWESTERN MUTUAL | $12 | $4 | $16 | 0.03% |
| LANIER UPSHAW, INC.3 Filed as: LANIER UPSHAW INC | 1115 US HWY 98 SOUTH LAKELAND, FL 33801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $151 | $1K | 11.68% |
| ANDERSON BENEFIT SOLUTIONS3 | 3821 LAKE PADGETT DR LAND O LAKES, FL 34639 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $717 | $316 | $1K | 8.48% |
| RENA BUSER3 | 1517 BANNER ELK STREET VALRICO, FL 33594 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $614 | $19 | $633 | 5.19% |
| CHOICE BENEFIT SOLUTIONS AND OTHERS3 Filed as: CHOICE BENEFTIS SOLUTIONS LLC | 6441 3RD PALM POINTE ST ST PETERSBURG BEACH, FL 33706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $163 | $241 | $404 | 3.31% |
| HEIL BUSINESS SOLUTIONS CORPORATION3 | 2150 49TH STREET N SUITE F ST PETERSBURG, FL 33710 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $228 | $92 | $320 | 2.63% |
| WILLIAM E GECEWICZ3 | 11113 LAKESIDE VISTA DR RIVERVIEW, FL 33569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $88 | — | $88 | 0.72% |
| RONALD SADOFSKY3 | 13553 CREST LAKE DR HUDSON, FL 34669 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | — | $49 | 0.40% |
| TRIOLOGY BENEFITS CONSULTING LLC3 | 11635 GROVE ST SEMINOLE, FL 33772 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.15% |
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 | 115 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HUMANA | 88 | $1.1M |
| Dental | HUMANA | 100 | $132K |
| Vision | HUMANA | 100 | $132K |
| Life insurance | HUMANA | 100 | $132K |
| Short-term disability | NORTHWESTERN MUTUAL | 100 | $48K |
| Long-term disability | NORTHWESTERN MUTUAL | 99 | $75K |
| Other(2 contracts, 2 carriers) | HUMANA | 100 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 100 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.