| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KITCHNER & PIERRO & COMPANY3 Filed as: KITCHNER & PIERRO & CO | 5550 26TH STREET WEST ST 7 BRADENTON, FL 342073514 | BLUE CROSS BLUE SHIELD OF FLORIDA | $76K | — | $76K | 6.50% |
| KITCHNER & PIERRO & COMPANY3 Filed as: KITCHNER & PIERO CO INC | 26TH STREET WEST SUITE 7 BRADENTON, FL 34207 | GUARDIAN | $8K | $8K | $16K | 10.90% |
| ABIGALE JEWELL HIGGS3 | PO BOX 753 INDIAN ROCKS BEACH, FL 33785 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $191 | $340 | $531 | 26.58% |
| GARY KUESTER3 | 13530 SAN RAFAEL DR LARGO, FL 33774 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $268 | $57 | $325 | 16.27% |
| MARK BARRETT LLC3 | 2712 NORTH JEFFERSON STREET TAMPA, FL 33602 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $67 | $250 | $317 | 15.87% |
| KITCHNER & PIERRO & COMPANY3 Filed as: KITCHNER & PIERRO COMPANY INC. | 5550 26TH ST W BRADENTON, FL 34207 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $244 | — | $244 | 12.21% |
| JARRET THOMAS HONAHAN3 | 14141 46TH STREET CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $71 | $147 | $218 | 10.91% |
| LINDA F CRAIG3 Filed as: LINDA CRAIG | 1180 8TH AVE W PALMETTO, FL 34221 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $6 | $13 | $19 | 0.95% |
| FRANKLIN LENTZ3 | 635 NE FIRST STREET GAINESVILLE, FL 32601 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $7 | — | $7 | 0.35% |
| SHIRLEY B DRAKE3 Filed as: SHIRLEY DRAKE | 14141 46TH STREET N CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $7 | — | $7 | 0.35% |
| DONALD R JAWORSKI3 Filed as: DONALD JAWORSKI | ORCHARDTOWN DR LAND O LAKES, FL 34638 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $5 | — | $5 | 0.25% |
| NOEL CLARK3 | 12276 SAN JOSE BLVD JACKSONVILLE, FL 32223 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $5 | — | $5 | 0.25% |
| ANNALIESE CLARK3 | 12276 SAN JOSE BLVD JACKSONVILLE, FL 32223 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $1 | — | $1 | 0.05% |
| JESSE DUANE DAVIS3 Filed as: JESSE DAVIS | 266 EVERLEIGH WAY MARIETTA, GA 30064 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $1 | — | $1 | 0.05% |
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 | 155 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 162 | $1.2M |
| Dental | GUARDIAN | 192 | $144K |
| Vision | GUARDIAN | 192 | $144K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 192 | $146K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 162 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.