| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORENO FINANCIAL SERVICES, INC.3 Filed as: MORENO FINANCIAL SERVICES INC | 111 N MAGNOLIA AVE SUITE 1025 ORLANDO, FL 32601 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $78K | $78K | 4.73% |
| MORENO FINANCIAL SERVICES, INC.3 Filed as: MORENO FINANCIAL SERVICES INC | 111 N MAGNOLIA AVE STE 1025 ORLANDO, FL 32801 | PRINCIPAL LIFE INSURANCE COMPANY | $27K | — | $27K | 9.95% |
| NORWOOD BENEFIT SERVICES INC3 | 6478 LONG BREEZE ROAD ORLANDO, FL 32810 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $612 | $4K | 10.30% |
| ELIZABETH SCHENK3 Filed as: ELIZABETH MORENO-HARAMBOURE | 8581 SUMMERVILLE PLACE ORLANDO, FL 32819 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 6.74% |
| JENNIFER LYNN CHRISTY3 | 1591 ARDEN STREET LONGWOOD, FL 32750 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.01% |
| WILLIAM RENNARD3 | 3001 ALOMA AVE WINTER PARK, FL 32792 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $839 | $307 | $1K | 2.65% |
| NANCY BENNETT & ASSOCIATES INC3 Filed as: NANCY BENNETT & ASSOCIATES | PO BOX 84626 MIAMI, FL 33126 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $277 | — | $277 | 0.64% |
| SAMUEL K RENNARD3 | 1409 ALLISON AVE ALTAMONTE SPRINGS, FL 32701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | $7 | $35 | 0.08% |
| STEVEN VERMETTE INC3 | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.05% |
| MARIANNE ROMAINE3 | 1004 LAUREL CIRCLE BARTOW, FL 33830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.02% |
| GENEVIEVE CARELLI3 | 547 CLEO LANE DELTONA, FL 32792 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| MORENO FINANCIAL SERVICES, INC.3 Filed as: MORENO FINANCIAL SERVICES | 111 N MAGNOLIA AVE SUITE 1025 ORLANDO, FL 32801 | VISION SERVICE PLAN | $998 | — | $998 | 5.88% |
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 | 256 | 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) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 264 | $1.7M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 400 | $274K |
| Vision | VISION SERVICE PLAN | 113 | $17K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 400 | $274K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 400 | $274K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 400 | $274K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 400 | $318K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 400 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.