| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OMS INSURANCE GROUP3 | PO BOX 2 LAKELAND, FL 33802 | UNITED HEALTHCARE INSURANCE COMPANY | — | $70K | $70K | 5.26% |
| OMS INSURANCE GROUP3 Filed as: OMS INSURANCE GROUP LLC | 26 LAKE WIRE DR LAKELAND, FL 33815 | FLORIDA COMBINED LIFE INSURANCE COMPANY | $3K | — | $3K | 5.44% |
| KENDALL CLENNEY3 Filed as: KENDALL ROY CLENNEY | 244 JENNY WAY LAKELAND, FL 33809 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 9.06% |
| DAVID R BOWDEN AGY INC3 | 625 COMMERCE DR SUITE 204 LAKELAND, FL 33813 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 6.90% |
| E D SKIPPER & ASSOC INC3 Filed as: E D SKIPPER & ASSOC | 625 COMMERCE DR SUITE 204 LAKELAND, FL 33813 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $286 | — | $286 | 1.16% |
| THE STEWART AGENCY3 Filed as: STEWART ROSS | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 30.50% |
| KATHERINE BLANCO3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 11.81% |
| JOHAN BLANCO3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 6.65% |
| LISA A PERRI3 Filed as: LISA POTISH | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $178 | — | $178 | 0.87% |
| KENDALL CLENNEY3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $164 | — | $164 | 0.80% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE KING | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $66 | — | $66 | 0.32% |
| ALVIN J LILLEY3 Filed as: ALVIN TAYLOR JR | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $65 | — | $65 | 0.32% |
| THOMAS W BOSTON3 Filed as: THOMAS CARAWAY JR | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $48 | — | $48 | 0.23% |
| SPRING INSURANCE GROUP LLC3 Filed as: SPRING REDNER | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $23 | — | $23 | 0.11% |
| OMS INSURANCE GROUP3 | PO BOX 2 LAKELAND, FL 33802 | HM LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| OMS INSURANCE GROUP3 | 26 LAKE WIRE DR LAKELAND, FL 33802 | FLORIDA COMBINED LIFE INSURANCE COMPANY INC. | $2K | — | $2K | 14.76% |
| MICHAEL WIGGS & ASSOCIATES3 | 8304 BOB WIGGS AVE LITHIA, FL 33547 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | — | $82 | 4.74% |
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 | 186 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 186 | $1.3M |
| Dental | FLORIDA COMBINED LIFE INSURANCE COMPANY | 161 | $50K |
| Vision | HM LIFE INSURANCE COMPANY | 153 | $15K |
| Life insurance(3 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 153 | $58K |
| Short-term disability(3 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 153 | $39K |
| Other | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 29 | $25K |
| 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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.