| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES HUFSTETLER3 | 5721 MASTERS BLVD. ORLANDO, FL 32819 | CIGNA HEALTH AND LIFE INSURANCE | $0 | $149K | $149K | 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 | $60K | $60K | 2.00% |
| JAMES HUFSTETLER3 Filed as: JAMES L HUFSTETLER JR. | 5721 MASTERS BLVD. ORLANDO, FL 32819 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $37K | — | $37K | 25.00% |
| JAMES HUFSTETLER3 Filed as: JAMES L HUFSTETLER JR. | 5721 MASTERS BLVD. ORLANDO, FL 32819 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | — | $20K | 18.00% |
| JAMES HUFSTETLER3 Filed as: JAMES L HUFSTETLER JR. | 5721 MASTERS BLVD. ORLANDO, FL 32819 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $24K | — | $24K | 25.00% |
| JAMES HUFSTETLER3 Filed as: JAMES L HUFSTETLER JR. | 5721 MASTERS BLVD. ORLANDO, FL 32819 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| JAMES HUFSTETLER JR.3 | 5721 MASTERS BLVD. ORLANDO, FL 32819 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $201 | — | $201 | 5.30% |
| WILLIAM RENNARD3 | 3001 ALOMA AVENUE WINTER PARK, FL 32792 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.92% |
| NANCY BENNETT & ASSOCIATES INC3 Filed as: NANCY BENNETT & ASSOCIATES, INC. | P.O. BOX 25331 MIAMI, FL 33102 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.74% |
| REUBEN F JACOBS JR3 Filed as: REUBEN F. JACOBS JR. | 2700 BAYSHORE BLVD. DUNEDIM, FL 34698 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.42% |
| STEVEN VERMETTE INC3 Filed as: STEVEN VERMETTE INC. | 731 CYPRESS POINTE LANE HAYESVILLE, NC 28904 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.26% |
| BARBARA RENNARD3 | 3001 ALOMA AVENUE WINTER PARK, FL 32792 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.18% |
| JEANNE A JACOBS3 | C/O JEANNE JACOBS CASSELBERRY, FL 32707 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.11% |
| ROBERT L CARELLI3 | 547 CLEO LANE DELTONA, FL 32792 | COLONIAL LIFE AND 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 | 218 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE | 158 | $3.0M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 187 | $111K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 134 | $15K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 218 | $147K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 219 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.