| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXCALIBUR FINANCIAL GROUP3 | 302 KNIGHTS RUN #110 TAMPA, FL 33602 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $41K | $41K | 4.87% |
| WILLIAM MANNIX3 | 302 KNIGHTS RUN #110 TAMPA, FL 33602 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $1K | $8K | 4.21% |
| ROBERT FABRIZIO3 | 302 KNIGHTS RUN #110 TAMPA, FL 33602 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $1K | $8K | 4.21% |
| CHOICE BENEFIT SOLUTIONS INC3 Filed as: CHOICE BENEFIT SOLUTIONS | 525 CAPRI BLVD TREASURE ISLAND, FL 33706 | COLONIAL LIFE & ACCIDENT COMPANY | $499 | — | $499 | — |
| WILLIAM E GECEWICZ3 Filed as: WILLIAM GECEWICZ | 11113 LAKESIDE VISTA DR RIVERVIEW, FL 33569 | COLONIAL LIFE & ACCIDENT COMPANY | $292 | — | $292 | — |
| TRILOGY BENEFITS CONSULTING LLC3 Filed as: TRILOGY BENEFITS CONSULTING INC. | 5908 HAMMOCK WOODS DRIVE ODESSA, FL 33556 | COLONIAL LIFE & ACCIDENT COMPANY | $286 | — | $286 | — |
| EXCALIBUR FINANCIAL GROUP3 | 302 KNIGHTS RUN #110 TAMAP, FL 33602 | COLONIAL LIFE & ACCIDENT COMPANY | $282 | — | $282 | — |
| TAMARE GAIL COPELAND3 | P O BOX 243 LAND O LAKES, FL 34639 | COLONIAL LIFE & ACCIDENT COMPANY | $205 | — | $205 | — |
| HEIL BUSINESS SOLUTIONS CORPORATION3 | 5911 85TH TER N PINELLAS PARK, FL 33781 | COLONIAL LIFE & ACCIDENT COMPANY | $178 | — | $178 | — |
| WILLIA OF FLORIDA3 | 1450 BRICKELL AVE MIAMI, FL 33131 | COLONIAL LIFE & ACCIDENT COMPANY | $151 | — | $151 | — |
| YOLANDA TRISTANCHO-HELWIG3 | 449 CENTRAL AVE SAINT PETERSBURG, FL 33701 | COLONIAL LIFE & ACCIDENT COMPANY | $113 | — | $113 | — |
| RONALD SADOFSKY3 | 13553 CREST LAKE DR HUDSON, FL 34669 | COLONIAL LIFE & ACCIDENT COMPANY | $83 | — | $83 | — |
| DANIEL M WOLF3 Filed as: DANIEL J NIEMI | 400 STONE QUARY DR MARQUETTE, MI 49855 | COLONIAL LIFE & ACCIDENT COMPANY | $76 | — | $76 | — |
| THOMAS WALLACE JR3 Filed as: THOMAS WALLACE | 57 WYN OAK DRIVE NASHVILLE, TN 37205 | COLONIAL LIFE & ACCIDENT COMPANY | $22 | — | $22 | — |
| STEVE VERMETTE INC3 Filed as: STEVE VERMTTE | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE & ACCIDENT COMPANY | $19 | — | $19 | — |
| JEFFERY C FABRIZIO3 Filed as: JEFFERY FABRIZIO | 6406 KEY ISLAND AVE APOLLO BEACH, FL 33572 | COLONIAL LIFE & ACCIDENT COMPANY | $14 | — | $14 | — |
| ANDERSON BENEFIT SOLUTIONS3 | 3821 LAKE PADGETT DR LAND O LAKES, FL 34639 | COLONIAL LIFE & ACCIDENT COMPANY | $8 | — | $8 | — |
| JOHN ANTHONY CARREIRO III3 Filed as: JOHN A CARREIRO LI | 525 CAPRI BLVD TREASURE ISLAND, FL 33706 | COLONIAL LIFE & ACCIDENT COMPANY | $4 | — | $4 | — |
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 | 147 | 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) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 170 | $834K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 210 | $190K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 210 | $190K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 210 | $190K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 210 | $190K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 210 | $190K |
| Other | COLONIAL LIFE & ACCIDENT COMPANY | 33 | $0 |
| 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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.