| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OMS INSURANCE GROUP3 | PO BOX 2 LAKELAND, FL 33802 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $84K | $84K | 5.26% |
| OMS INSURANCE GROUP3 | 26 LAKE WIRE DR LAKELAND, FL 33815 | FLORIDA COMBINED LIFE | $3K | — | $3K | 5.16% |
| THE STEWART AGENCY3 Filed as: STEWART ROSS | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 16.25% |
| KATHERINE BLANCO3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 7.83% |
| JOHAN BLANCO3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.78% |
| ANGELA MASSARELLI3 Filed as: ANGELA ISSACES | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $148 | — | $148 | 0.32% |
| KENDALL CLENNEY3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $143 | — | $143 | 0.31% |
| LISA A PERRI3 Filed as: LISA POTISH | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $139 | — | $139 | 0.30% |
| CHRISTOPHER HAGER3 Filed as: CHRISTOPHER KING | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $59 | — | $59 | 0.13% |
| ALVIN J LILLEY3 Filed as: ALVIN TAYLOR JR | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $57 | — | $57 | 0.12% |
| THOMAS W BOSTON3 Filed as: THOMAS CARAWAY | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $48 | — | $48 | 0.10% |
| SPRING INSURANCE GROUP LLC3 Filed as: SPRING REDNER | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $14 | — | $14 | 0.03% |
| DAVID R BOWDEN AGY INC3 | 625 COMMERCE DR STE 204 LAKELAND, FL 33813 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 10.78% |
| CLENNEY KENDALL ROY3 | 737 POWDER HORN ROW LAKELAND, FL 33809 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $461 | — | $461 | 2.58% |
| E D SKIPPER & ASSOC INC3 Filed as: E D SKIPPER & ASSOC | 625 COMMERCE DR STE 204 LAKELAND, FL 33813 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $285 | — | $285 | 1.59% |
| OMS INSURANCE GROUP3 | 26 LAKE WIRE DR LAKELAND, FL 33815 | HM LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| OMS INSURANCE GROUP3 | PO BOX 2 LAKELAND, FL 33802 | FLORIDA COMBINED LIFE | $1K | — | $1K | 14.19% |
| MICHAEL H WIGGS & ASSOCIATES3 | 8304 BOB WIGGS AVE LITHIA, FL 33547 | COLONIAL LIFE & ACCIDENT COMPANY | $82 | — | $82 | 5.10% |
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 | 210 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 210 | $1.6M |
| Dental | FLORIDA COMBINED LIFE | 175 | $57K |
| Vision | HM LIFE INSURANCE COMPANY | 169 | $15K |
| Life insurance(4 contracts, 4 carriers) | LIBERTY NATIONAL LIFE INSURANCE COMPANY | 131 | $75K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 131 | $27K |
| Long-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 24 | $18K |
| Other | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 24 | $18K |
| 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."
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.