| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRINGE BENEFIT PLANS INC3 Filed as: FRINGE BENEFIT PLANS, INC. 0207 | 2211 LEE RD STE 100 WINTER PARK, FL 327891849 | HEALTH OPTIONS, INC. | $101K | $0 | $101K | 5.00% |
| PROVINSURE INC3 | 9700 INTERNATIONAL DRIVE ORLANDO, FL 32819 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21K | $0 | $21K | 5.70% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 | 560 HARRISON AVENUE PANAMA CITY, FL 32401 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $6K | $6K | 1.72% |
| DAILYFEATS INC.3 | 131 TREMONT STREET 3RD FLOOR BOSTON, MA 02111 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 1.28% |
| FRINGE BENEFIT PLANS INC3 Filed as: FRINGE BENEFIT PLANS, INC. 0207 | 2211 LEE RD STE 100 WINTER PARK, FL 327891849 | BLUE CROSS BLUE SHIELD OF FLORIDA | $8K | $0 | $8K | 5.00% |
| FRINGE BENEFIT PLANS INC3 Filed as: FRINGE BENEFIT PLANS, INC | 2211 LEE RD STE 100 WINTER PARK, FL 327891849 | USABLE LIFE | $2K | $0 | $2K | 6.78% |
| PROVINSURE INC3 Filed as: PROVINSURE, INC. | 4000 DESTINATION PKWY ORLANDO, FL 328198106 | USABLE LIFE | $1K | $0 | $1K | 5.06% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY # D2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $70 | $0 | $70 | 0.29% |
| SIERRA ALVARADO3 | 700 EAGLE AVE LONGWOOD, FL 32750 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 13.56% |
| LUMBRA RISK ADVISORS LLC3 | PO BOX 948173 MAITLAND, FL 32794 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $76 | $1K | 9.78% |
| WILLIAM RENNARD3 | 3001 ALOMA AVE STE 116 WINTER PARK, FL 32792 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $183 | $22 | $205 | 1.49% |
| SAMUEL K RENNARD3 | 1409 ALLISON AVE ALTAMONTE SPRINGS, FL 32701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $183 | $4 | $187 | 1.36% |
| PROVINSURE INC3 | 4000 DESTINATION PKWY ORLANDO, FL 32819 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $68 | $0 | $68 | 0.49% |
| KAREN PICCININI3 | 6609 THE LANDINGS DR BELLE ISLE, FL 32812 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.02% |
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 | 373 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 378 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 209 | $2.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 338 | $362K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 338 | $362K |
| Life insurance(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 406 | $401K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 338 | $376K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 338 | $362K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 209 | $2.2M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 406 | $387K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 406 | — |
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.