| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $13K | $5K | $18K | 13.42% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $614 | $8K | 10.84% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 10.00% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $127 | $2K | 4.69% |
| WORKSITE BENEFITS SOLUTION LLC3 | 2622 WYMAN CIRCLE KISSIMEE, FL 34744 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $594 | $90 | $684 | 1.67% |
| CALVON Y BUCZKOWSKI3 Filed as: CALVON BUCZKOWSKI AND OTHER AGENTS | 204 COVERED BRIDGE DRIVE OCOEE, FL 34761 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $598 | $57 | $655 | 1.60% |
| SARAH WEYMOUTH3 Filed as: SARAH WEYMOUTH LLC | 107 OCEAN TERRACE INDIATLANTIC, FL 32903 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $423 | $49 | $472 | 1.15% |
| KENNETH A HOLDER3 Filed as: KENNETH HOLDER | 870 GREENSHANK DRIVE HAINES CITY, FL 33844 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $312 | $12 | $324 | 0.79% |
| OMAR ENRIQUE FIGUEROA3 Filed as: OMAR FIGUEROA | 3424 DOUGLAS COURT KISSIMEE, FL 34746 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $290 | $16 | $306 | 0.75% |
| JENNIFER WEYMOUTH RESMONDO3 Filed as: JENNIFER WEYMOUTH LLC | 2940 OAKTREE DRIVE KISSIMEE, FL 34744 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $236 | $17 | $253 | 0.62% |
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 | 483 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 485 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 299 | $135K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 299 | $135K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 483 | $83K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 215 | $112K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 483 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 483 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.