| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28217 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $69K | $74K | 2.64% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $35K | $39K | 1.38% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE | 850 CONCOURSE PARKWAY MAITLAND, FL 32751 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | $0 | $15K | 10.77% |
| ALLIANT INSURANCE SERVICES, INC.3 | 2701 NORTH ROCKY POINT ROAD SUITE 960 TAMPA, FL 33604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 3.16% |
| EDWARD PICCININI3 | 9006 RED GOLD LANE ORLANDO, FL 32818 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $2K | $3K | 9.75% |
| KAREN PICCININI3 | 425 WEST COLONIAL DRIVE ORLANDO, FL 32804 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $447 | $2K | 7.86% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DRIVE GREENSBORO, NC 27409 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 5.99% |
| JOHN PICCININI3 | 425 WEST COLONIAL DRIVE, SUITE 304 ORLANDO, FL 32804 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $447 | $41 | $488 | 1.79% |
| ALLEGIANT BENEFITS & SERVICES LLC3 | 7512 DR PHILLIPS BOULEVARD ORLANDO, FL 32819 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $332 | $66 | $398 | 1.46% |
| JEFFREY F BARNETT3 Filed as: JEFFREY BARNETT | 8840 DARLENE DRIVE ORLANDO, FL 32836 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $48 | $135 | $183 | 0.67% |
| MJ INSURANCE3 Filed as: STEVEN VERMETTE AND VARIOUS AGENTS | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $48 | $0 | $48 | 0.18% |
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 | 142 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 210 | $2.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 210 | $2.8M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 210 | $2.8M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 142 | $137K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 142 | $137K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 142 | $137K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 142 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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.