| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OMS INSURANCE GROUP3 | PO BOX 2 LAKELAND, FL 33802 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $79K | $79K | 5.29% |
| OMS INSURANCE GROUP3 | 26 LAKE WIRE DR LAKELAND, FL 33815 | FLORIDA COMBINED LIFE | $3K | — | $3K | 5.36% |
| HOLLI DUNCAN3 | 4800 DEERWOOD CAMPUS PKWY DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $109 | — | $109 | 0.18% |
| KENDALL CLENNEY3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $143 | — | $143 | 0.44% |
| LISA A PERRI3 Filed as: LISA POTISH | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $122 | — | $122 | 0.38% |
| ALVIN J LILLEY3 Filed as: ALVIN TAYLOR | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $56 | — | $56 | 0.17% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE KING | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $49 | — | $49 | 0.15% |
| THOMAS W BOSTON3 Filed as: THOMAS CARAWAY | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $40 | — | $40 | 0.12% |
| SPRING INSURANCE GROUP LLC3 Filed as: SPRING REDNER | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $22 | — | $22 | 0.07% |
| KATHERINE BLANCO3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$318 | — | -$318 | -0.98% |
| JOHAN BLANCO3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$468 | — | -$468 | -1.44% |
| THE STEWART AGENCY3 Filed as: STEWART ROSS | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | — | -$3K | -$3K | -9.31% |
| DAVID R BOWDEN AGY INC3 Filed as: DAVID R BOWDEN AGY | 625 COMMERCE DR STE 204 LAKELAND, FL 33813 | ALLSTATE | $2K | — | $2K | 7.88% |
| KENDALL CLENNEY3 Filed as: KENDALL ROY CLENNEY | 737 POWDER HORN RD LAKELAND, FL 33809 | ALLSTATE | $701 | — | $701 | 3.65% |
| E D SKIPPER & ASSOC INC3 Filed as: ED SKIPPER & ASSOC INC | 625 COMMERCE DR SUITE 204 LAKELAND, FL 33813 | ALLSTATE | $254 | — | $254 | 1.32% |
| OMS INSURANCE GROUP3 | 26 LAKE WIRE DR LAKELAND, FL 33815 | HM LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| OMS INSURANCE GROUP3 | 26 LAKE WIRE DR LAKELAND, FL 33815 | FLORIDA COMBINED LIFE | $2K | — | $2K | 14.74% |
| HOLLI DUNCAN3 | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $34 | — | $34 | 0.33% |
| MICHAEL WIGGS & ASSOCIATES3 | 8304 BOB WIGGS AVE LITHIA, FL 33547 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | — | $77 | 4.66% |
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 | 219 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 219 | $1.5M |
| Dental | FLORIDA COMBINED LIFE | 170 | $61K |
| Vision | HM LIFE INSURANCE COMPANY | 165 | $16K |
| Life insurance(4 contracts, 4 carriers) | LIBERTY NATIONAL LIFE INSURANCE COMPANY | 157 | $64K |
| Short-term disability(3 contracts, 3 carriers) | ALLSTATE | 157 | $31K |
| Long-term disability | ALLSTATE | 21 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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.