| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES HUFSTETLER3 | 5721 MASTERS BLVD. ORLANDO, FL 32819 | CIGNA HEALTH AND LIFE INSURANCE | — | $180K | $180K | 5.00% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC. | 5110 N. 40TH STREET, SUITE 234 PHOENIX, AZ 85018 | CIGNA HEALTH AND LIFE INSURANCE | — | $72K | $72K | 2.00% |
| JAMES HUFSTETLER3 Filed as: JAMES L HUFSTETLER JR | 5721 MASTERS BLVD. ORLANDO, FL 32819 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $44K | — | $44K | 25.00% |
| JAMES HUFSTETLER3 Filed as: JAMES L HUFSTETLER JR | 5721 MASTERS BLVD. ORLANDO, FL 32819 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $31K | — | $31K | 25.00% |
| JAMES HUFSTETLER3 Filed as: JAMES L HUFSTETLER JR | 5721 MASTERS BLVD. ORLANDO, FL 32819 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | — | $21K | 18.00% |
| JAMES HUFSTETLER3 Filed as: JAMES L HUFSTETLER JR | 5721 MASTERS BLVD. ORLANDO, FL 32819 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| JAMES HUFSTETLER JR.3 | 607 LOUISIANA STREET STURGEON BAY, FL 54235 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $147 | — | $147 | 3.84% |
| WILLIAM RENNARD3 | 3001 ALOMA AVE., STE. 116 WINTER PARK, FL 32792 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.84% |
| NANCY BENNETT & ASSOCIATES INC3 | P.O.BOX 25331 MIAMI, FL 33102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.68% |
| REUBEN F JACOBS JR3 Filed as: REUBEN F JACOBS JR. | 2700 BAYSHORE BLVD., APT. 6109 DUNEDIN, FL 34698 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.42% |
| BARBARA RENNARD3 | 3001 ALOMA AVENUE, STE. 116 WINTER PARK, FL 32792 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.18% |
| SEVA GROUP LLC3 Filed as: SEVA GROUP LLC. | 731 CYPRESS POINTE LANE HAYESVILLE, NC 28904 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.13% |
| STEVEN VERMETTE INC3 Filed as: STEVEN VERMETTE INC. | 731 CYPRESS POINTE LANE HAYESVILLE, FL 28904 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.13% |
| JEANNE A JACOBS3 | C/O JEANNE JACOBS CASSELBERRY, FL 32707 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.10% |
| ROBERT L CARELLI3 | 547 CLEO LANE DELTONA, FL 32738 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.08% |
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 | 253 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE | 199 | $3.6M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 210 | $115K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 165 | $18K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 253 | $177K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 253 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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.