| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 | 83 NORTH PARK PLACE BOULEVARD SUITE 101 CLEARWATER, FL 33759 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 8.78% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SER | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | HUMANA INSURANCE COMPANY | $145 | $165 | $310 | 2.23% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 83 NORTH PARK PLACE BOULEVARD SUITE 101 CLEARWATER, FL 33759 | STANDARD INSURANCE COMPANY | $619 | $0 | $619 | 15.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 140 FOUNTAIN PARKWAY NORTH SUITE 600 SAINT PETERSBURG, FL 33716 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $122 | $17 | $139 | 4.81% |
| WILLIAM E GECEWICZ3 Filed as: WILLIAM E. GECEWICZ | 11113 LAKESIDE VISTA DRIVE RIVERVIEW, FL 33569 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $40 | $6 | $46 | 1.59% |
| CHOICE BENEFITS SOLUTIONS LLC3 Filed as: CHOICE BENEFITS SOLUTIONS, LLC | 11399 81ST PLACE SEMINOLE, FL 33772 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17 | $23 | $40 | 1.39% |
| MATTHEW HAND3 | 8508 PARROTS LANDING DRIVE TAMPA, FL 33647 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $30 | $0 | $30 | 1.04% |
| BLADE BENEFIT CONSULTING LLC3 Filed as: BLADE BNFT CONSULT AND OTHER AGENTS | 117 NORTH GOLD DRIVE, BUILDING 1 ROBBINSVILLE, NJ 08691 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $28 | $1 | $29 | 1.00% |
| MICHAEL R REBER3 Filed as: MICHAEL ROY REBER | 20101 HERON CROSSING DRIVE TAMPA, FL 33647 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15 | $0 | $15 | 0.52% |
| CHRISTOPHER SAULLE3 | PO BOX 1822 ASHLAND, VA 23005 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.48% |
| BLADE BENEFIT CONSULTING LLC3 Filed as: BLADE BENEFIT CONSULTING | 117 NORTH GOLD DRIVE, BUILDING 1 ROBBINSVILLE, NJ 08691 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | -$19 | — | -$19 | -0.70% |
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 | 89 | 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) | 89 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 29 | $14K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 23 | $3K |
| Life insurance | STANDARD INSURANCE COMPANY | 89 | $4K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 89 | $7K |
| Long-term disability | STANDARD INSURANCE COMPANY | 89 | $4K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 89 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 89 | — |
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.