| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXCALIBUR FINANCIAL GROUP3 | 4010 W BOY SCOUT BLVD SUITE 700 TAMPA, FL 33607 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $48K | — | $48K | 5.49% |
| ROBERT FABRIZIO3 | 4010 W BOY SCOUT BLVD SUITE 700 TAMPA, FL 33607 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | — | $8K | 3.95% |
| WILLIAM MANNIX3 | 4010 W BOY SCOUT BLVD SUITE 700 TAMPA, FL 33607 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | — | $8K | 3.95% |
| EXCALIBUR FINANCIAL GROUP3 | 4010 W. BOY SCOUT BLVD SUITE 700 TAMPA, FL 33607 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 0.93% |
| JANET S DOHERTY3 Filed as: JANET DOHERTY | 1001 STARKEY RD ST PETERSBURG, FL 33771 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $176 | $7K | $7K | 29.14% |
| EXCALIBUR FINANCIAL GROUP3 | 4010 BOY SCOUT BLVD SUITE 700 TAMPA, FL 33607 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 4.54% |
| TRILOGY BENEFITS CONSULTING LLC3 | 5908 HAMMOCK WOODS DR ODESSA, FL 33556 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $562 | $36 | $598 | 2.45% |
| CHOICE BENEFIT SOLUTIONS INC3 Filed as: CHOICE BENEFIT SOLUTIONS INC. | 525 CAPRI BLVD TREASURE ISLAND, FL 33706 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $323 | — | $323 | 1.32% |
| WILLIAM E GECEWICZ3 | 11113 LAKESIDE VISTA DR RIVERVIEW, FL 33569 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $238 | — | $238 | 0.97% |
| COLIN JAMES MCDOUGALL3 | 2739 DURANT TRAILS BLVD DOVER, FL 33527 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $212 | — | $212 | 0.87% |
| ROBERT BRIAN FABRIZIO JR3 | 814 N VALRICO RD VALRICO, FL 33594 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $211 | — | $211 | 0.86% |
| DANIELS SOLUTIONS LLC3 Filed as: DANIELS SOLUTIONS | 13650 W HILLSBOROUGH AVE TAMPA, FL 33635 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $90 | $119 | $209 | 0.86% |
| TAMERA GAIL COPELAND3 | PO BOX 2432 LAND O LAKES, FL 34639 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $150 | — | $150 | 0.61% |
| HEIL BUSINESS SOLUTIONS CORPORATION3 Filed as: HEIL BUSINESS SOLUTIONS CORP | 2150 49TH STREET N SUITE F ST PETERSBURG, FL 33710 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $128 | — | $128 | 0.52% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA | 1450 BRICKELL AVE MIAMI, FL 33131 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $117 | — | $117 | 0.48% |
| YOLANDA TRISTANCHO-HELWIG3 Filed as: YOLANDA TRISTANCHO - HELWIG | 315 WEST 39TH STREET NEW YORK, NY 10018 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $77 | — | $77 | 0.32% |
| KEITH ANTHONY GROESBECK3 | 1401 15TH STREET NORTH ST PETERSBURG, FL 33704 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $56 | — | $56 | 0.23% |
| DANIEL M WOLF3 Filed as: DANIEL J NIEMI | 400 STONE QUARY DR MARQUETTE, MI 49855 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $49 | — | $49 | 0.20% |
| RONALD SADOFSKY3 | 13553 CREST LAKE DR HUDSON, FL 34669 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $45 | — | $45 | 0.18% |
| CHASE BRANDEN LAVESQUE3 | 302 KNIGHTS RUN #110 TAMPA, FL 33602 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 0.16% |
| THOMAS WALLACE JR3 | 57 WYN OAK DR NASHVILLE, TN 37205 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.07% |
| STEVE VERMETTE INC3 | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.04% |
| CORCORAN & HOYT LLC3 | 3905 TAMPA ROAD OLSMAR, FL 34677 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $3 | $8 | 0.03% |
| ANDERSON BENEFIT SOLUTIONS3 Filed as: ANDERSON BUSINESS SOLUTIONS | 3821 LAKE PDGETT DR LAND O LAKES, FL 34639 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| JOHN ANTHONY CARREIRO III3 Filed as: JOHN A CARREIRO LI | 6441 3RD PALM POINT ST PETE BEACH, FL 33706 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXCALIBUR FINANCIAL GROUP EIN 59-3501032 EXCALIBUR FINANCIAL GROU | Insurance brokerage commissions and fees Service code 53 | 4010 W BOY SCOUT BLVD SUITE 700 TAMPA, FL 33607 | $0 |
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 | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 114 | $879K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 235 | $211K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 235 | $211K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 235 | $211K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 235 | $211K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 235 | $211K |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 34 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.