| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES HUFSTETLER3 Filed as: JAMES L. HUFSTETLER SR. | PO BOX 536246 ORLANDO, FL 32853 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $82K | $0 | $82K | 1.51% |
| JAMES HUFSTETLER3 Filed as: JAMES L. HUFSTETLER SR. | PO BOX 536246 ORLANDO, FL 32853 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $92K | $0 | $92K | 17.80% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.20% |
| JAMES HUFSTETLER3 Filed as: JAMES L. HUFSTETLER SR. | PO BOX 536246 ORLANDO, FL 32853 | COMPBENEFITS | $13K | $0 | $13K | 9.62% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | COMPBENEFITS | $112 | $0 | $112 | 0.08% |
| JAMES HUFSTETLER3 Filed as: JAMES L. HUFSTETLER SR. | PO BOX 536246 ORLANDO, FL 32853 | HUMANA INSURANCE COMPANY | $5K | $0 | $5K | 9.31% |
| JAMES HUFSTETLER3 Filed as: JAMES L. HUFSTETLER SR. | PO BOX 536246 ORLANDO, FL 32853 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 5.73% |
| REUBEN F JACOBS JR3 Filed as: REUBEN F. JACOBS JR. | 868 LAKE JACKSON CIRCLE APOPKA, FL 32703 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 2.36% |
| WILLIAM RENNARD3 | 3001 ALOMA AVENUE WINTER PARK, FL 32792 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $521 | $40 | $561 | 1.30% |
| NANCY BENNETT & ASSOCIATES INC3 Filed as: NANCY BENNETT & ASSOCIATES, INC. | SJO 84626 MIAMI, FL 33126 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $166 | $0 | $166 | 0.39% |
| STEVEN VERMETTE INC3 Filed as: STEVEN VERMETTE, INC. | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $57 | $0 | $57 | 0.13% |
| GENEVIEVE CARELLI3 | 547 CLEO LANE DELTONA, FL 32792 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $29 | $0 | $29 | 0.07% |
| JAMES HUFSTETLER3 Filed as: JAMES L. HUFSTETLER SR. | PO BOX 536246 ORLANDO, FL 32853 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $572 | $0 | $572 | 4.50% |
| WILLIAM RENNARD3 | 3001 ALOMA AVENUE WINTER PARK, FL 32792 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $118 | $4 | $122 | 0.96% |
| REUBEN F JACOBS JR3 Filed as: REUBEN F. JACOBS JR. | 868 LAKE JACKSON CIRCLE APOPKA, FL 32703 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $102 | $0 | $102 | 0.80% |
| NANCY BENNETT & ASSOCIATES INC3 Filed as: NANCY BENNETT & ASSOCIATES, INC. | SJO 84626 MIAMI, FL 33126 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $61 | $0 | $61 | 0.48% |
| GENEVIEVE CARELLI3 | 547 CLEO LANE DELTONA, FL 32792 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.11% |
| STEVEN VERMETTE INC3 Filed as: STEVEN VERMETTE, INC. | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.11% |
| PMA3 | 11825 PENNSYLVANIA STREET CARMEL, IN 46032 | WASHINGTON NATIONAL HEALTH INSURANCE COMPANY | $55 | $0 | $55 | 16.18% |
| FL FRINGE BENEFITS AND OTHER AGENTS3 | PO BOX 5220 WINTER PARK, FL 32793 | WASHINGTON NATIONAL HEALTH INSURANCE COMPANY | $18 | $0 | $18 | 5.29% |
| JAMES J. PASSAS3 | 125 SPRINGHURST CIRCLE LAKE MARY, FL 32746 | WASHINGTON NATIONAL HEALTH INSURANCE COMPANY | $12 | $0 | $12 | 3.53% |
| PHYLLIS HARRIS3 | 127 GOSHAWK TERRACE WINTER SPRINGS, FL 32708 | WASHINGTON NATIONAL HEALTH INSURANCE COMPANY | $11 | $0 | $11 | 3.24% |
| MICHAEL FOSTER3 Filed as: MICHAEL A. FOSTER | 21251 MARSH HAWK DRIVE LAND O LAKES, FL 34638 | WASHINGTON NATIONAL HEALTH INSURANCE COMPANY | $6 | $0 | $6 | 1.76% |
| RYAN MENEZES3 | 11800 BUTTONHOOK DRIVE CLERMONT, FL 34711 | WASHINGTON NATIONAL HEALTH INSURANCE COMPANY | $6 | $0 | $6 | 1.76% |
| CAPITOL AMERICAN LIFE INS. CO3 Filed as: CAPITOL AMERICAN LIFE INS. COMPANY | 11815 NORTH PENNSYLVANIA STREET CARMEL, IN 46032 | WASHINGTON NATIONAL HEALTH INSURANCE COMPANY | $6 | $0 | $6 | 1.76% |
| SOUTHEASTERN UNDWR INC3 Filed as: SOUTHEASTERN UNDWR, INC. | 6751 MACON ROAD, SUITE 4 COLUMBUS, GA 31907 | AFLAC | $7 | $0 | $7 | 2.19% |
| THE HORTON GROUP3 Filed as: R. HORTON GRIFFIN JR. | 116 NORTH DAWSON STREET THOMASVILLE, GA 31792 | AFLAC | $4 | $0 | $4 | 1.25% |
| UNDERWRITERS SOUTH3 | 12001 LAYFIELD ROAD UPATOI, GA 31829 | AFLAC | $1 | $0 | $1 | 0.31% |
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 | 910 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 17 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 929 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 776 | $5.4M |
| Dental | COMPBENEFITS | 462 | $134K |
| Vision | HUMANA INSURANCE COMPANY | 498 | $54K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 272 | $571K |
| Short-term disability(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 272 | $571K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 272 | $515K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 776 | $5.4M |
| Other(5 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 272 | $572K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 776 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.