| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING - TAMPA | PO BOX 905494 CHARLOTTE, NC 28290 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$8K | — | -$8K | -3.78% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - TAMPA | PO BOX 905494 CHARLOTTE, NC 28290 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$3K | — | -$3K | -4.51% |
| CHOICE BENEFIT SOLUTIONS INC3 Filed as: CHOICE BENEFIT SOLUTIONS INC. | 525 CAPRI BLVD. TREASURE ISLAND, FL 33706 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | — |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA | 1450 BRICKELL AVE. MIAMI, FL 33131 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | — |
| USI INSURANCE SERVICES LLC3 | 1715 N. WESTSHORE ROAD TAMPA, FL 33607 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $396 | — | $396 | — |
| EMMA ANN DEAN3 | 350 SOUTH BELVEDERE DRIVE HAMPSTEAD, NC 28443 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $306 | — | $306 | — |
| RONALD SADOFSKY3 | 13553 CREST LAKE DR. HUDSON, FL 34669 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $210 | — | $210 | — |
| THOMAS WALLACE JR3 Filed as: THOMAS WALLACE JR. | 57 WYN OAK DRIVE NASHVILLE, TN 37205 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $197 | — | $197 | — |
| STEPHANIE SHEPPA3 | 3687 IMPERIAL RIDGE PKWY. PALM HARBOR, FL 34684 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $123 | — | $123 | — |
| YOULANDA TRISTANCHO-HELWIG3 | 449 CENTRAL AVE. SAINT PETERSBURG, FL 33701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $90 | — | $90 | — |
| ROBIN THOMASON3 | 631 11TTH AVE. SOUTH JACKSONVILLE BEACH, FL 32250 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $86 | — | $86 | — |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES INC. | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $85 | — | $85 | — |
| GINA MARIE MARTINEZ3 | 2401 NE 65TH STREET FT. LAUDERDALE, FL 33308 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $53 | — | $53 | — |
| PAT WILLIAMS INSURANCE CONSULTANTS3 | 18201 GULF BLVD. REDINGTON SHORES, FL 33708 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $39 | — | $39 | — |
| NORWOOD BENEFIT SERVICES INC3 Filed as: NORWOOD BENEFIT SERVICES INC. | 6478 LONG BREEZE RD. ORLANDO, FL 32810 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $39 | — | $39 | — |
| STEVEN VERMETTE INC3 Filed as: STEVEN VERMETTE INC. | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $32 | — | $32 | — |
| JOHN ANTHONY CARREIRO III3 Filed as: JOHN A. CARREIRO II | 525 CAPRI BLVD. TREASURE ISLAND, FL 33706 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $27 | — | $27 | — |
| THE CLARK GROUP OF SC3 | 589 WINDMERE DR. LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $20 | — | $20 | — |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEM INC. | 245 SEVEN FARMS DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18 | — | $18 | — |
| THE GRANT AGENCY INC3 Filed as: THE GRANT AGENCY INC. | PO BOX 41544 JACKSONVILLE, FL 32203 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $16 | — | $16 | — |
| CONSTANCE LABONTE3 | 4824 WILLOW RIDGE TERRACE VALRICO, FL 33594 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11 | — | $11 | — |
| FRANK M GAMMON3 | 10604 CRESCENT LAKE CT. CLERMONT, FL 34711 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8 | — | $8 | — |
| COACH CONCEPTS INC3 Filed as: COACH CONCEPTS INC. | 5655 OAKHURST DRIVE SEMINOLE, FL 33772 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | — | $6 | — |
| JOHN REISTROM3 | 1125 PINELLAS BAYWAY S. TIERRA VERDE, FL 33715 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | — | $4 | — |
| GREAM M CLARK3 | 589 WINDMERE DR. LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | — | $4 | — |
| CREATIVE BENEFIT CONSULTANTS INC3 Filed as: CREATIVE BENEFIT CONSULTANTS INC. | 18214 102ND WAY S BOCA RATON, FL 33498 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | — | $4 | — |
| ABBIE ANN PATTERSON3 | 4001 SOUTH OCEAN BLVD. SOUTH PALM BEACH, FL 33480 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | — | $3 | — |
| TILTON ASSOCIATES INC3 Filed as: TILTON ASSOCIATES INC. | 4141 NW 10 ST. COCONUT CREEK, FL 33066 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | — | $3 | — |
| ANDREW G NIKOVITS3 | 22153 NATURES COVE CT. ESTERO, FL 33928 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | — |
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 | 1,377 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,378 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 640 | $133K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,377 | $206K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 294 | $76K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,377 | $206K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,377 | $206K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,377 | — |
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.