| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE GROUP | 150 SECOND AVENUE NORTH ST PETERSBURG, FL 33701 | AVMED | $30K | — | $30K | 5.45% |
| REGIONS INSURANCE INC3 | 1900 5TH AVENUE NORTH 19TH FLOOR BIRMINGHAM, AL 35203 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 13.18% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INS INC | DEPT 268 PO BOX 11407 BIRMINGHAM, AL 352460100 | HUMANA INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INS INC | DEPT 268 PO BOX 11407 BIRMINGHAM, AL 352460100 | HUMANA INSURANCE COMPANY | — | $504 | $504 | 1.30% |
| HARRY M BARASH3 | 2510 SUMMERDALE CT CLEARWATER, FL 33761 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $673 | $38 | $711 | 2.75% |
| SHIRLEY B DRAKE3 Filed as: SHIRLEY DRAKE | 14141 46TH STREET N CLEAWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $430 | $93 | $523 | 2.02% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE, INC | 6000 POPLAR AVE STE 300 MEMPHIS, TN 38119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $415 | $6 | $421 | 1.63% |
| CHOICE BENEFIT SOLUTIONS INC3 | 525 CAPRI BLVD TREASURE ISLAND, FL 33706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $327 | — | $327 | 1.26% |
| WORKSITE AMERICA LLC3 | 14141 46TH STREET NORTH CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $214 | $71 | $285 | 1.10% |
| SUSANNE PAPA3 | 4750 STONEVIEW CIRCLE OLD SMAR, FL 34677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $223 | $28 | $251 | 0.97% |
| ACRISURE LLC3 | 2965 ALT 19 PALM HARBOR, FL 34683 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $132 | — | $132 | 0.51% |
| ROGER BOUCHARD INSURANCE INC3 | PO BOX 6090 CLEARWATER, FL 33758 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $94 | — | $94 | 0.36% |
| RONALD SADOFSKY3 | 13553 CREST LAKE DR HUDSON, FL 34669 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $84 | — | $84 | 0.32% |
| THOMAS WALLACE JR3 | 57 WYN OAK DRIVE NASHVILLE, TN 37205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.13% |
| TERRY B DRAKE3 | 14141 46TH AVE N CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.10% |
| JOHN ANTHONY CARREIRO III3 Filed as: JOHN A CARREIRO II | 525 CAPRI BLVD TREASURE ISLAND, FL 33706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.08% |
| JODIE C MIGUES3 | 306 W MAIN ST NEW IBERIA, LA 70560 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.05% |
| STEVEN VERMETTE INC3 | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE GROUP | 6000 POPLAR AVENUE SUITE 3000 MEMPHIS, TN 38119 | ADVANTICA INSURANCE COMPANY | $1K | — | $1K | 10.00% |
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 | 112 | 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) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AVMED | 101 | $570K |
| Dental | HUMANA INSURANCE COMPANY | 79 | $39K |
| Vision | ADVANTICA INSURANCE COMPANY | 75 | $13K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 112 | $68K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 112 | $68K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 112 | $42K |
| Prescription drug | AVMED | 101 | $544K |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 112 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 112 | — |
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.