| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUFSTETLER, JAMES3 | 501 N. MAGNOLIA AVENUE ORLANDO, FL 32801 | CIGNA HEALTH AND LIFE INSURANCE | $1K | $143K | $145K | 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 | $0 | $57K | $57K | 1.96% |
| JAMES HUFSTETLER JR.3 | P.O. BOX 536246 ORLANDO, FL 32853 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $371 | — | $371 | 3.39% |
| NANCY BENNETT & ASSOCIATES INC3 | SJO 84626 MIAMI, FL 33126 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $74 | — | $74 | 0.68% |
| WILLIAM RENNARD3 | 3001 ALOMA AVENUE WINTER PARK, FL 32792 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $72 | — | $72 | 0.66% |
| RUEBEN F. JACOBS JR.3 | 2700 BAYSHORE BLVD. DUNEDIM, FL 34698 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.30% |
| JAMES HUFSTETLER3 | P.O. BOX 536246 ORLANDO, FL 32853 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.23% |
| STEVEN VERMETTE INC3 Filed as: STEVEN VERMETTE INC. | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.20% |
| GENEVIEVE CARELLI3 | 547 CLEO LANE DELTONA, FL 32792 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.09% |
| BARBARA RENNARD3 | 3001 ALOMA AVENUE WINTER PARK, FL 32792 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.06% |
| ARLENE CAMPBELL3 Filed as: ARLENE F CAMPBELL | 641 CORNWALL ROAD WINTERPARK, FL 32792 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.05% |
| DAN CAMPBELL3 | 641 CORNWALL ROAD WINTERPARK, FL 32792 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.04% |
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 | 185 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE | 185 | $2.9M |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 17 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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.