| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 12485 28TH ST N FL 2 SAINT PETERSBURG, FL 337161825 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 10.18% |
| SUNGATE INSURANCE AGENCY INC3 | 1337 S INTERNATIONAL PKWY 1311 LAKE MARY, FL 327461402 | UNITEDHEALTHCARE INSURANCE COMPANY | -$36 | — | -$36 | -0.04% |
| WILLIAM GLASS3 Filed as: WILLIAM M GLASS | 850 CONCOURSE PKWY S SUITE 200 MAITLAND, FL 32751 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 7.20% |
| CTI SERVICES INC.3 | 1140CLIMBING ROSE DR ORLANDO, FL 32818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $565 | $4K | 13.98% |
| SUNGATE INSURANCE AGENCY INC3 | 1337 S INTERNATIONAL PKWY LAKE MARY, FL 32746 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 9.65% |
| LESLIE HARRON CROY3 | 106 W POWHATAN AVE TAMPA, FL 33604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $196 | — | $196 | 0.68% |
| KAMAL D KHOURY3 | 145 OYSTER BAY CIRCLE #110 ALTAMONTE SPRINGS, FL 32701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $181 | — | $181 | 0.63% |
| CHRISLYN M FREDERICK3 | 610 GEORGETOWN DR CASSELBERRY, FL 32707 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $120 | — | $120 | 0.42% |
| SAMUEL MALAVE3 | 2927 FOX SQUIRREL DRIVE KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $117 | — | $117 | 0.41% |
| GREGORY ALLEN BATTEN3 Filed as: GREGORY P GALLO | 705 VANDERFRIFT DRIVE OCOEE, FL 34761 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | — | $42 | 0.15% |
| TABBITHA ROSE3 | 142 BURWELL AVE NE PALM BAY, FL 32907 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.06% |
| NORTH FLORIDA BENEFIT SOLUTIONS INC3 | 12659-1 PLUMMER GRANT ROAD JACKSONVILLE, FL 32258 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.06% |
| KAREN HAYES DECKER3 | 4475 WILLA CREEK DRIVE WINTER SPRING, FL 32708 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.03% |
| DOROTHY RING3 | 8300 PLAZA GATE LN JACKSONVILLE, FL 32217 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| KAREN PICCININI3 | 425 W COLONIAL DR ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| TAMARA ANN BUSCHER3 Filed as: TAMARA GAIL COPELAND | PO BOX 243 LAND OLAKES, FL 34639 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 12485 28TH ST N FL 2 SAINT PETERSBURG, FL 337161825 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 10.17% |
| SUNGATE INSURANCE AGENCY INC3 | 1337 S INTERNATIONAL PKWY 1311 LAKE MARY, FL 327461402 | UNITEDHEALTHCARE INSURANCE COMPANY | -$8 | — | -$8 | -0.05% |
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 | 490 | 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) | 490 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 214 | $96K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 139 | $16K |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 347 | $106K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 347 | $77K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 347 | $77K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 347 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 347 | — |
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.