| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, MO 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $2K | $10K | 15.48% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 4.44% |
| C GORDAN INSURANCE SOLUTIONS INC3 | 1755 WEST BROADWAY STREET OVIEDO, FL 32765 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 4.19% |
| KAREN PICCININI3 | 6609 THE LANDINGS DRIVE BELLE ISLE, FL 32812 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $162 | $2K | 4.06% |
| ALLEGIANT BENEFITS & SERVICES LLC3 | 7512 DR PHILLIPS BOULEVARD SUITE 50-8 ORLANDO, FL 32819 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $661 | $39 | $700 | 1.74% |
| JOHN PICCININI3 | 425 WEST COLONIAL DRIVE SUITE 304 ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $551 | $8 | $559 | 1.39% |
| EDWARD PICCININI3 Filed as: EDWARD PICCININ | 9006 RED GOLD LANE ORLANDO, FL 32818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $100 | $52 | $152 | 0.38% |
| ELBA HERNANDEZCAMBRELEN & OTHER3 | 1231 PENSACOLA COURT KISSIMMEE, FL 34744 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $96 | $32 | $128 | 0.32% |
| TANYA L BURNS AND ASSOCIATES3 Filed as: TANYA L. BURNS AND ASSOCIATES | 2519 EAST SOUTH STREET ORLANDO, FL 32803 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $112 | $0 | $112 | 0.28% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | HUMANA INSURANCE COMPANY | $2K | $742 | $3K | 13.35% |
| CIA AND ASSOCIATES INC3 | 27200 RIVERVIEW CENTER BOULEVARD BONITA SPRINGS, FL 34134 | HUMANA INSURANCE COMPANY | $36 | $0 | $36 | 0.16% |
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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 134 | $85K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 134 | $85K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 134 | $85K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 134 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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.
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.