| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORENO FINANCIAL SERVICES, INC.3 | 111 NORTH MAGNOLIA AVENUE SUITE 1025 ORLANDO, FL 32801 | UNITEDHEALTHCARE INSURANCE COMPANY | $30K | — | $30K | 3.27% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE AGENCY, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $19K | — | $19K | 2.09% |
| NORWOOD BENEFIT SERVICES INC3 Filed as: NORWOOD BENEFIT SERVICES, INC. | 6478 LONG BREEZE ROAD ORLANDO, FL 32810 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $835 | $6K | 7.07% |
| ELIZABETH SCHENK3 Filed as: ELIZABETH MORENO-HARAMBOURE | 8581 SUMMERVILLE PLACE ORLANDO, FL 32819 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 5.17% |
| WILLIAM RENNARD3 | 3001 ALOMA AVENUE WINTER PARK, FL 32792 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $413 | $2K | 1.90% |
| NANCY BENNETT & ASSOCIATES INC3 Filed as: NANCY BENNETT AND VARIOUS | SJO 84626 MIAMI, FL 33126 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $31 | $1K | 1.55% |
| CREATIVE BENEFIT CONSULTANTS INC3 Filed as: CREATIVE BENEFIT CONSULTANTS, INC. | 18214 102ND WAY SOUTH BOCA RATON, FL 33498 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $987 | — | $987 | 1.13% |
| BONNIE J WENDELL3 Filed as: BONNIE J. WENDELL | 2555 PALM AVENUE OVIEDO, FL 32765 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $966 | $3 | $969 | 1.10% |
| JENNIFER LYNN CHRISTY3 | 1591 ARDEN STREET LONGWOOD, FL 32750 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $552 | — | $552 | 0.63% |
| MORENO FINANCIAL SERVICES, INC.3 | 111 NORTH MAGNOLIA AVENUE SUITE 1025 ORLANDO, FL 32801 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 4.52% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE AGENCY, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $436 | — | $436 | 0.84% |
| ALLIANCE FIN GRP OF CENTRAL &3 Filed as: ALLIANCE FIN. GROUP OF CENTRAL | 14021 METROPOLIS AVENUE FORT MYERS, FL 33912 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12 | — | $12 | 0.02% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE, INC. GA | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | COMPBENEFITS COMPANY | $290 | $693 | $983 | 11.82% |
| MORENO FINANCIAL SERVICES, INC.3 | 111 NORTH MAGNOLIA AVENUE SUITE 1025 ORLANDO, FL 32801 | COMPBENEFITS COMPANY | $542 | — | $542 | 6.52% |
| MORENO FINANCIAL SERVICES, INC.3 | 111 NORTH MAGNOLIA AVENUE SUITE 1025 ORLANDO, FL 32801 | FLORIDA COMBINED LIFE | $217 | — | $217 | 6.68% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 2233 LEE ROAD, SUITE 204 WINTERS PARK, FL 32789 | FLORIDA COMBINED LIFE | $24 | — | $24 | 0.74% |
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 | 118 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 126 | $1.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 89 | $52K |
| Vision | COMPBENEFITS COMPANY | 70 | $8K |
| Life insurance | FLORIDA COMBINED LIFE | 118 | $3K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 126 | $913K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 118 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.