| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | P.O. BOX 896620 CHARLOTTE, NC 282896620 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | $101K | $108K | 4.15% |
| MCGRIFF INSURANCE SERVICES INC3 | 850 CONCOURSE PWKY MAITLAND, FL 32751 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 13.18% |
| MCGRIFF INSURANCE SERVICES INC3 | 850 CONCOURSE PKWY MAITLAND, FL 32751 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 850 CONCOURSE PKWY MAITLAND, FL 32751 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 15.00% |
| KAREN PICCININI3 | 425 W COLONIAL DR ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $722 | $51 | $773 | 3.35% |
| EDWARD PICCININI3 | 9006 RED GOLD LANE ORLANDO, FL 32818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $73 | $494 | $567 | 2.46% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DR. GREENSBORO, NC 27409 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $552 | — | $552 | 2.39% |
| JOHN PICCININI3 Filed as: JOHN PICCINNI | 425 W COLONIAL DR STE 304 ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $207 | $6 | $213 | 0.92% |
| ALLEGIANT BENEFITS & SERVICES LLC3 | 7512 DR PHILLIPS BLVD ORLANDO, FL 32819 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $99 | — | $99 | 0.43% |
| STEVEN VERMETTE INC3 | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.19% |
| SHARON R NOWELL3 | 4111 NW 9TH ST COCONUT CREEK, FL 33066 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.06% |
| JEFFERY TAL WEBB3 Filed as: JEFFERY F. BARNETT | 8840 DARLENE DR. ORLANDO, FL 32836 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $6 | $8 | 0.03% |
| MCGRIFF INSURANCE SERVICES INC3 | 850 CONCOURSE PKWY MAITLAND, FL 32751 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $335 | — | $335 | 10.01% |
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 | 150 | 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) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 209 | $2.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 209 | $2.6M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 209 | $2.6M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 221 | $58K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 87 | $31K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 150 | $33K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 150 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.