| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN LLC BOUCHARD | 5310 CLARK RD STE 1 SARASOTA, FL 34233 | HEALTH OPTIONS | — | — | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 STARCREST DRIVE CLEARWATER, FL 33765 | GUARDIAN | $19K | $5K | $24K | 10.43% |
| WORKSITE AMERICA LLC3 | 14141 46TH ST N STE 1209 CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $3K | $8K | 19.13% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 STARCREST DRIVE CLEARWATER, FL 33765 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $480 | $4K | 9.86% |
| PATRICIA M CARDUCCI3 | 4784 SIMCOE ST PALM HARBOR, FL 34683 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $672 | $2K | 4.67% |
| SHIRLEY B DRAKE3 | 14141 46TH ST N STE 1209 CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $352 | $2K | 4.19% |
| HEIDI S WEISHAUPT3 | 4520 29TH AVENUE CIR E PALMETTO, FL 34221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.19% |
| MARIELENA HERRERA3 | 12338 DORA TRL PARRISH, FL 34219 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 2.81% |
| JOSE H MUNGARRIETA3 Filed as: JOSE MUNGARRIETA | 12338 DORA TRL PARRISH, FL 34219 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 2.77% |
| SHELBY GROUP INC3 Filed as: SHELBY GROUP, INC. | 3496 E WOODMONT WAY PALM HARBOR, FL 34684 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $105 | $1K | 2.68% |
| LAURA ROMEIRO3 | 10611 LURE PL PARRISH, FL 34219 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $883 | — | $883 | 2.03% |
| DANA BRETT POLK3 | 10801 STARKEY RD STE 104-321 SEMINOLE, FL 33777 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $823 | — | $823 | 1.89% |
| ZORAIDA VELEZ3 | 30205 GOODWICK WAY WESLEY CHAPEL, FL 33543 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $625 | $76 | $701 | 1.61% |
| SPETNER ASSOCIATES INC3 | 8220 DELMAR BLVD ST. LOUIS, MO 63124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $123 | — | $123 | 0.28% |
| ANDREA BROWNING3 | 145 19TH AVE SE ST. PETERSBURG, FL 33705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $4 | $11 | 0.03% |
| CORCORAN & HOYT LLC3 | 3905 TAMPA ROAD OLDSMAR, FL 34677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $3 | $10 | 0.02% |
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 | 192 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 193 | $234K |
| Vision | GUARDIAN | 193 | $234K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 193 | $278K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 193 | $278K |
| Long-term disability | GUARDIAN | 193 | $234K |
| Prescription drug | HEALTH OPTIONS | 117 | $1.6M |
| Other | GUARDIAN | 193 | $234K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.