| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE RD 434 LONGWOOD, FL 32750 | CIGNA | — | $75K | $75K | 5.14% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE RD 434 LONGWOOD, FL 32750 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $4K | $9K | 9.34% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE RD 434 LONGWOOD, FL 32750 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $6K | $939 | $7K | 11.78% |
| WORKSITE BENEFITS SOLUTION LLC3 | 1009 VERONA ST KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $2K | $771 | $3K | 4.52% |
| SARAH WEYMOUTH3 | 306 MAPLE AVE KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $2K | $575 | $2K | 3.70% |
| KENNETH A HOLDER3 | 870 GREENSHANK DR HAINES CITY, FL 33844 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $1K | $104 | $1K | 2.20% |
| KERRY ANN TATE3 | 9949 BOCA CIR NAPLES, FL 34109 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $775 | — | $775 | 1.35% |
| CALVON Y BUCZKOWSKI3 | 2608 TALL MAPLE LOOP OCOEE, FL 34761 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $299 | $170 | $469 | 0.81% |
| JENNIFER WEYMOUTH RESMONDO3 | 2940 OAKTREE DRIVE KISSIMMEE, FL 34744 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $300 | $19 | $319 | 0.55% |
| OMAR ENRIQUE FIGUEROA3 | 3424 DOUGLAS CT KISSIMMEE, FL 34746 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $256 | $18 | $274 | 0.48% |
| CARUSO INSURANCE BENEFITS INC3 | 10872 WILDERNESS CT ORLANDO, FL 32821 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $137 | $1 | $138 | 0.24% |
| BARBARA C BRENLOVE3 | PO BOX 470701 CELEBRATION, FL 34747 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $5 | $79 | $84 | 0.15% |
| COLLETTE G BOISVERT3 Filed as: COLLETTE BOISVERT | 349 CENTRAL STREET MANCHESTER, NH 03103 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $68 | — | $68 | 0.12% |
| GINAKES & ASSOCIATES LLC3 Filed as: GINAKES & ASSOCIATES, LLC | 1020 W INTERNATIONAL SPEEDWAY DAYTONA BEACH, FL 32114 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $67 | — | $67 | 0.12% |
| DEANNA BOUFFORD3 | 323 PLEASANT ST KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $11 | — | $11 | 0.02% |
| CONSTANCE LABONTE3 | 4824 WILLOW RIDGE TERRACE VALRICO, FL 33594 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| WORKPLACE BENEFIT SOLUTIONS LLC3 | 80 SHADOW LANE LAKELAND, FL 33813 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| STEPHANIE CARMEN DALEY3 | 4717 MANTAUK ST ORLANDO, FL 32808 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| ROBERT SHAVERS3 | 1537 COLONY AVE KISSIMMEE, FL 34744 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| WENDY M SILVA3 | 917 WINDMILL GROVE CIRCLE ORLANDO, FL 32828 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE RD 434 LONGWOOD, FL 32750 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 15.47% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE RD 434 LONGWOOD, FL 32750 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $820 | $2K | 16.02% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE RD 434 LONGWOOD, FL 32750 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $692 | $298 | $990 | 14.31% |
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 | 164 | 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) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 218 | $1.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 445 | $98K |
| Vision | HUMANA INSURANCE COMPANY | 100 | $13K |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | 168 | $102K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 54 | $14K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | 168 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 445 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.