| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OMS INSURANCE GROUP3 | PO BOX 2 LAKELAND, FL 33802 | CIGNA | $802 | $86K | $87K | 6.06% |
| FOUNDATION RISK PARTNERS CORP3 | 26 LAKE WIRE DR LAKELAND, FL 33815 | GUARDIAN | $5K | $5K | $10K | 17.60% |
| BENETEK CORPORATION3 | 4275 WEST SAND LAKE RD ORLANDO, FL 32819 | GUARDIAN | $2K | — | $2K | 4.00% |
| THE STEWART AGENCY3 Filed as: STEWART ROSS | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 16.79% |
| KATHERINE BLANCO3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 8.49% |
| JOHAN BLANCO3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.93% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE KING | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $59 | — | $59 | 0.12% |
| KENDALL CLENNEY3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $57 | — | $57 | 0.11% |
| ALVIN J LILLEY3 Filed as: ALVIN TAYLOR | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $26 | — | $26 | 0.05% |
| ANGELA MASSARELLI3 Filed as: ANGELA ISAACES | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $18 | — | $18 | 0.04% |
| SPRING INSURANCE GROUP LLC3 Filed as: SPRING REDNER | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $14 | — | $14 | 0.03% |
| THOMAS W BOSTON3 Filed as: THOMAS CARAWAY | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $12 | — | $12 | 0.02% |
| LISA A PERRI3 Filed as: LISA POTISH | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $11 | — | $11 | 0.02% |
| ALEXIA HAMLTON3 Filed as: ALEXIA HAMILTON | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $9 | — | $9 | 0.02% |
| RAHIM TEIMOURI3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| DAVID R BOWDEN AGY INC3 | 625 COMMERCE DR STE 204 LAKELAND, FL 33813 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 15.91% |
| E D SKIPPER & ASSOC INC3 | 625 COMMERCE DR STE 204 LAKELAND, FL 33813 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $289 | — | $289 | 2.02% |
| CLENNEY KENDALL ROY3 | 737 POWDER HORN ROW LAKELAND, FL 33809 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $188 | — | $188 | 1.31% |
| MICHAEL H WIGGS & ASSOCIATES3 | 2145 GANDY LANE LAKELAND, FL 33811 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | — | $46 | 3.82% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 SERVICE PROVIDER | Claims processing Service code 12 | — | $86K |
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 | 168 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 158 | $1.4M |
| Dental | GUARDIAN | 168 | $57K |
| Vision | GUARDIAN | 168 | $57K |
| Life insurance(3 contracts, 3 carriers) | GUARDIAN | 168 | $122K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 16 | $16K |
| Other | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 16 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.