| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE RD 434 LONGWOOD, FL 32750 | CIGNA | $0 | $64K | $64K | 5.00% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE RD 434 LONGWOOD, FL 32750 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $444 | $5K | 4.96% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE RD 434 LONGWOOD, FL 32750 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $7K | $1K | $9K | 16.56% |
| KENNETH A HOLDER3 | 638 LAKEHAVEN CIRCLE ORLANDO, FL 32828 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $3K | $170 | $3K | 6.01% |
| WORKSITE BENEFITS SOLUTION LLC3 | 323 PLEASANT ST KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $2K | $706 | $3K | 5.24% |
| SARAH WEYMOUTH3 | 306 MAPLE AVE KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $1K | $495 | $2K | 3.46% |
| OMAR ENRIQUE FIGUEROA3 | 3424 DOUGLAS CT KISSIMMEE, FL 34746 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $569 | $53 | $622 | 1.19% |
| KERRY ANN TATE3 | 9949 BOCA CIR NAPLES, FL 34109 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $442 | $61 | $503 | 0.97% |
| CALVON Y BUCZKOWSKI3 | 2608 TALL MAPLE LOOP OCOEE, FL 34761 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $288 | $200 | $488 | 0.94% |
| CARUSO INSURANCE BENEFITS INC3 | 10872 WILDERNESS CT ORLANDO, FL 32821 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $348 | $31 | $379 | 0.73% |
| JENNIFER WEYMOUTH RESMONDO3 Filed as: JENNIFER WEYMOUTH EVANS | 2940 OAKTREE DRIVE KISSIMMEE, FL 34744 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $277 | $39 | $316 | 0.61% |
| BARBARA C BRENLOVE3 | PO BOX 470701 CELEBRATION, FL 34747 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $200 | $3 | $203 | 0.39% |
| WENDY M SILVA3 | 917 WINDMILL GROVE CIRCLE ORLANDO, FL 32828 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $162 | $0 | $162 | 0.31% |
| GINAKES & ASSOCIATES LLC3 Filed as: GINAKES & ASSOCIATES, LLC | 1020 W INTERNATIONAL SPEEDWAY DAYTONA BEACH, FL 32114 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $79 | $0 | $79 | 0.15% |
| STEPHANIE CARMEN DALEY3 | 4717 MANTAUK ST ORLANDO, FL 32808 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $45 | $0 | $45 | 0.09% |
| COLLETTE G BOISVERT3 Filed as: COLLETTE BOISVERT | 349 CENTRAL STREET MANCHESTER, NH 03103 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $32 | $0 | $32 | 0.06% |
| DEANNA BOUFFORD3 | 323 PLEASANT ST KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $19 | $0 | $19 | 0.04% |
| ROBERT SHAVERS3 | 1537 COLONY AVE KISSIMMEE, FL 34744 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $11 | $0 | $11 | 0.02% |
| CONSTANCE LABONTE3 | 4824 WILLOW RIDGE TERRACE VALRICO, FL 33594 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $8 | $0 | $8 | 0.02% |
| WORKPLACE BENEFIT SOLUTIONS LLC3 | 80 SHADOW LANE LAKELAND, FL 33813 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $4 | $0 | $4 | 0.01% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE RD 434 LONGWOOD, FL 32750 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $5K | 13.86% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE RD 434 LONGWOOD, FL 32750 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $696 | $2K | 15.09% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE RD 434 LONGWOOD, FL 32750 | HUMANA INSURANCE COMPANY | $4 | — | $4 | 0.03% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE RD 434 LONGWOOD, FL 32750 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $497 | $210 | $707 | 14.23% |
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 | 218 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 218 | $1.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 426 | $98K |
| Vision | HUMANA INSURANCE COMPANY | 90 | $12K |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | 165 | $91K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 59 | $14K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | 165 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 426 | — |
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.