| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | HEALTH OPTIONS, INC. | $28K | $0 | $28K | 6.00% |
| INSURANCE OFFICE OF AMERICA3 | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13K | $4K | $17K | 15.36% |
| AMY ELIZABETH GIPSON3 | 1074 CLIFTON SPRINGS LANE WINTER SPRINGS, FL 32708 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $3K | $14K | 12.23% |
| ANGEL GABRIEL VELAZQUEZ-DIAZ3 Filed as: ANGEL VELASQUEZ-DIAZ | 2022 ESTANCIA CIRCLE KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $2K | $8K | 7.55% |
| THE MEEHAN AGENCY LLC3 | 1924 DOWN HOLLOW LANE WINDERMERE, FL 34786 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 4.24% |
| FRANCHESKA FERNANDEZ DIAZ3 | 2030 ESTANCIA CIRCLE KISSIMMEE, FL 34744 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $443 | $3K | 2.95% |
| LISA A THOMPSON3 Filed as: LISA A. THOMPSON | 5468 NEW INDEPENDENCE PARKWAY WINTER GARDEN, FL 34787 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $760 | $3K | 2.50% |
| MJ INSURANCE3 Filed as: CORCORAN & HOYT AND VARIOUS AGENTS | 3905 TAMPA ROAD OLDSMAR, FL 34677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $529 | $2K | 1.86% |
| INSURANCE OFFICE OF AMERICA3 | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $2K | $9K | 14.89% |
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 | 270 | 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) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH OPTIONS, INC. | 95 | $459K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 332 | $63K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 332 | $63K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 332 | $174K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 149 | $111K |
| Prescription drug | HEALTH OPTIONS, INC. | 95 | $459K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 332 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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.