| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXCALIBUR FINANCIAL GROUP3 | 302 KNIGHTS RUN #110 TAMPA, FL 33602 | UNITEDHEALTHCARE INSURANCE COMPANY | $52K | $3K | $56K | 5.02% |
| EXCALIBUR FINANCIAL GROUP3 | 302 KNIGHTS RUN #110 TAMPA, FL 33602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $92 | $2K | 4.58% |
| YOLANDA TRISTANCHO-HELWIG3 | 449 CENTRAL AVE SAINT PETERSBURG, FL 33701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $638 | $110 | $748 | 2.18% |
| RICARDO B SORIANO3 | 1648 WAKEFIELD DR BRANDON, FL 33511 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $229 | $0 | $229 | 0.67% |
| KEITH ANTHONY GROESBECK3 | 1108 118TH TERRACE ST PETE, FL 33716 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $183 | $0 | $183 | 0.53% |
| TRILOGY BENEFITS CONSULTING LLC3 | 5908 HAMMOCK WOODS DR ODESSA, FL 33556 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $83 | $75 | $158 | 0.46% |
| HEIL BUSINESS SOLUTIONS CORPORATION3 Filed as: HEIL BUSINESS SOLUTIONS CORPORTATIO | 4921 PENNSBURY DRIVE TAMPA, FL 33624 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $84 | $44 | $128 | 0.37% |
| ANDERSON BENEFIT SOLUTIONS3 Filed as: ANDERSON BENEFIT SOLUTIOS | 3821 LAKE PADGETT DR LAND O LAKES, FL 34639 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | $10 | $62 | 0.18% |
| CHOICE BENEFIT SOLUTIONS INC3 Filed as: CHOICE BENEFIT SOLUTIONS | 3026 LAKE PADGET DR LAND O LAKES, FL 34639 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | $0 | $45 | 0.13% |
| JEFFERY C FABRIZIO3 Filed as: JEFFERY FABRIZIO | 6406 KEY ISLAND AVENUE APOLLO BEACH, FL 33572 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | $2 | $45 | 0.13% |
| STEVE VERMETTE INC3 Filed as: STEVE VERMETTE | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | $0 | $31 | 0.09% |
| JOSHUA A ZIMMERMAN3 | 302 KNIGHTS RUN TAMPA, FL 33602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | $0 | $29 | 0.08% |
| JADE ALEANDRA DAVIS3 | 215 CENTRAL AVE ST PETERSBURG, FL 33607 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.03% |
| CHRISTINA MARIE KONCZESKI3 | 648 SOUTH STREET APT 2 BOSTON, MA 02131 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.01% |
| EXCALIBUR FINANCIAL GROUP3 | 302 KNIGHTS RUN #110 TAMPA, FL 33602 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
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 | 129 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 186 | $1.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 186 | $1.1M |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 154 | $27K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 154 | $27K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 154 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.