| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PREMIER INSURANCE SERVICES3 Filed as: PREMIER INSURANCE CORPORATION, INC. | 1326 CAPE CORAL PKWY E STE 1 CAPE CORAL, FL 33904 | BLUE CROSS BLUE SHIELD OF FLORIDA | $86K | — | $86K | 6.00% |
| JACQUELINE WIER3 | 1326 CAPE CORAL PKWY E STE 1 CAPE CORAL, FL 33904 | HUMANA | $5K | — | $5K | 5.59% |
| GRS INC3 Filed as: GRS, INC. | 3278 TAHOE COURT NAPLES, FL 34119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1 | $3K | 6.53% |
| MELISSA ANN MILLER3 | 8243 BIBIANA WAY #702 FORT MYERS, FL 33912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 2.20% |
| ANNALIESE CLARK3 | 1336 HIDEAWAY DR S SAINT JOHNS, FL 32259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $724 | — | $724 | 1.37% |
| OWENS EMPLOYEE BENEFITS OF FLORIDA3 | 13650 FIDDLESTICKS BLVD FORT MYERS, FL 33912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $241 | $106 | $347 | 0.66% |
| ANDREW G NIKOVITS3 | 22153 NATURES COVE CT ESTERO, FL 33928 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $266 | — | $266 | 0.50% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | — | $58 | 0.11% |
| THOMAS WALLACE JR3 | 57 WYN OAK DRIVE NASHVILLE, TN 37205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 0.08% |
| JACQUELINE WIER3 | 1326 CAPE CORAL PKWY E STE 1 CAPE CORAL, FL 33904 | COMPBENEFITS COMPANY | $249 | — | $249 | 4.51% |
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 | 195 | 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) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 166 | $1.4M |
| Dental(2 contracts, 2 carriers) | HUMANA | 195 | $93K |
| Vision | HUMANA | 195 | $87K |
| Life insurance | HUMANA | 195 | $87K |
| Other(2 contracts, 2 carriers) | HUMANA | 195 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.