| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES HUFSTETLER3 | 5721 MASTERS BLVD. ORLANDO, FL 32819 | CIGNA HEALTH AND LIFE INSURANCE | — | $170K | $170K | 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 | — | $68K | $68K | 2.00% |
| JAMES HUFSTETLER3 Filed as: JAMES L HUFSTETLER JR. | 5721 MASTERS BLVD. ORLANDO, FL 32819 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $40K | — | $40K | 25.00% |
| JAMES HUFSTETLER3 Filed as: JAMES L HUFSTETLER JR. | 5721 MASTERS BLVD. ORLANDO, FL 32819 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | — | $22K | 18.00% |
| JAMES HUFSTETLER3 Filed as: JAMES L HUFSTETLER JR. | 5721 MASTERS BLVD. ORLANDO, FL 32819 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $28K | — | $28K | 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% |
| STEVEN VERMETTE INC3 Filed as: STEVEN VERMETTE INC. | 731 CYPRESS POINTE LANE HAYESVILLE, NC 28904 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $291 | — | $291 | 6.90% |
| JAMES HUFSTETLER JR.3 | 607 LOUISIANA STREET STURGEON BAY, WI 54235 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $183 | — | $183 | 4.34% |
| WILLIAM RENNARD3 | 3001 ALOMA AVENUE SUITE 116 WINTER PARK, FL 32792 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 0.85% |
| NANCY BENNETT & ASSOCIATES INC3 Filed as: NANCY BENNETT & ASSOCIATES INC. | P.O. BOX 25331 MIAMI, FL 33102 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.69% |
| REUBEN F JACOBS JR3 Filed as: REUBEN F JACOBS JR. | 2700 BAYSHORE BLVD APT. 6109 DUNEDIN, FL 34698 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.43% |
| BARBARA RENNARD3 | 3001 ALOMA AVENUE SUITE 116 WINTER PARK, FL 32792 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.17% |
| JEANNE A JACOBS3 | C/O JEANNE JACOBS CASSELBERRY, FL 32707 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.12% |
| ROBERT L CARELLI3 | 547 CLEO LANE DELTONA, FL 32738 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.07% |
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 | 237 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE | 177 | $3.4M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 189 | $120K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 151 | $16K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 237 | $162K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 237 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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.