| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OMS INSURANCE GROUP3 | PO BOX 2 LAKELAND, FL 33815 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $97K | — | $97K | 6.00% |
| OMS INSURANCE GROUP3 | 26 LAKE WIRE DR LAKELAND, FL 33815 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $442 | $6K | 8.24% |
| BENETEK CORPORATION3 | 4275 WEST SAND LAKE RD ORLANDO, FL 32819 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 4.00% |
| THE STEWART AGENCY3 Filed as: STEWART ROSS | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 6.88% |
| JOHAN BLANCO3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.40% |
| KATHERINE BLANCO3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $311 | — | $311 | 0.62% |
| KENDALL CLENNEY3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $142 | — | $142 | 0.28% |
| LISA A PERRI3 Filed as: LISA POTISH | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $135 | — | $135 | 0.27% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE KING | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $60 | — | $60 | 0.12% |
| ALVIN J LILLEY3 Filed as: ALVIN TAYLOR | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $56 | — | $56 | 0.11% |
| THOMAS W BOSTON3 Filed as: THOMAS CARAWAY | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $48 | — | $48 | 0.10% |
| ANGELA MASSARELLI3 Filed as: ANGELA ISAACS | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $17 | — | $17 | 0.03% |
| SPRING INSURANCE GROUP LLC3 Filed as: SPRING REDNER | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $14 | — | $14 | 0.03% |
| DAVID R BOWDEN AGY INC3 Filed as: DAVID BOWDEN | 625 COMMERCE DR STE 204 LAKELAND, FL 33813 | ALLSTATE BENEFITS | $2K | — | $2K | 16.22% |
| CLENNY KENDALL3 | 737 POWDER HORN ROW LAKELAND, FL 33809 | ALLSTATE BENEFITS | $308 | — | $308 | 2.20% |
| E D SKIPPER & ASSOC INC3 Filed as: E D SKIPPER & ASSOCIATES | 625 COMMERCE DR STE 204 LAKELAND, FL 33813 | ALLSTATE BENEFITS | $274 | — | $274 | 1.96% |
| MICHAEL WIGGS & ASSOCIATES3 | 8304 BOB WIGGS AVE LITHIA, FL 33547 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $81 | — | $81 | 4.57% |
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 | 191 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 191 | $1.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 195 | $72K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 195 | $72K |
| Life insurance(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 195 | $138K |
| Short-term disability | ALLSTATE BENEFITS | 16 | $14K |
| Long-term disability | ALLSTATE BENEFITS | 16 | $14K |
| Other | ALLSTATE BENEFITS | 16 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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.