| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C GORDON INSURANCE SOLUTIONS3 | 1755 W BROADWAY ST STE 7 OVIEDO, FL 327658100 | HUMANA MEDICAL PLAN, INC. | $39K | — | $39K | 4.97% |
| C GORDON INSURANCE SOLUTIONS3 | 1755 W BROADWAY ST STE 7 OVIEDO, FL 327658100 | HUMANA INSURANCE COMPANY | $6K | — | $6K | 8.17% |
| C GORDON INSURANCE SOLUTIONS3 Filed as: C GORDON INSURANCE SOLUTIONS INC | 1755 WEST BROADWAY ST OVIEDO, FL 32765 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 7.16% |
| KAREN PICCININI3 | 425 W COLONIAL DR ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $892 | $4K | 6.89% |
| ALLEGIANT BENEFITS & SERVICES LLC3 | 7512 DR PHILLIPS BLVD ORLANDO, FL 32819 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $632 | $3K | 4.43% |
| JOHN PICCININI3 | 425 W COLONIAL DRIVE STE 304 ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $124 | $1K | 2.28% |
| JEFFERY TAL WEBB3 Filed as: JEFFERY F BARNETT | 8840 DARLENE DRIVE ORLANDO, FL 32836 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $128 | $339 | $467 | 0.76% |
| TERRENCE REID PIPENHAGEN3 | 8631 CONTOURA DR ORLANDO, FL 32810 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $155 | — | $155 | 0.25% |
| TANYA L BURNS AND ASSOCIATES3 | 2519 EAST SOUTH ST ORLANDO, FL 32803 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $131 | — | $131 | 0.21% |
| LAURA CECILIA MEDINA3 | 13106 SAN ANTONIO WOODS LN ORLANDO, FL 32824 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $104 | $12 | $116 | 0.19% |
| MAX NISSENBAUM3 | 554 DEWITT AVE PALM BAY, FL 32907 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.07% |
| THE MEEHAN AGENCY LLC3 | 1924 DOWN HOLLOW LN WINDEMERE, FL 34786 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $17 | $33 | 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 | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA MEDICAL PLAN, INC. | 88 | $847K |
| Dental | HUMANA INSURANCE COMPANY | 117 | $68K |
| Vision | HUMANA INSURANCE COMPANY | 117 | $68K |
| Life insurance(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 117 | $129K |
| Other(3 contracts, 3 carriers) | HUMANA MEDICAL PLAN, INC. | 117 | $915K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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.