| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $68K | — | $68K | 3.52% |
| MORENO FINANCIAL SERVICES, INC.3 Filed as: MORENO FINANCIAL SERVICES INC | 111 N MAGNOLIA AVE SUITE 1025 ORLANDO, FL 32801 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | $178 | $15K | 0.77% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 32801 | PRINCIPAL LIFE INSURANCE COMPANY | $25K | $12K | $37K | 12.34% |
| MORENO FINANCIAL SERVICES, INC.3 Filed as: MORENO FINANCIAL SERVICES INC | 111 N MAGNOLIA AVE STE 1025 ORLANDO, FL 32801 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 1.58% |
| NORWOOD BENEFIT SERVICES INC3 | 6478 LONG BREEZE ROAD ORLANDO, FL 32810 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $580 | $5K | 10.14% |
| ELIZABETH SCHENK3 Filed as: ELIZABETH MORENO-HARAMBOURE | 8581 SUMMERVILLE PLACE ORLANDO, FL 32819 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 5.70% |
| WILLIAM RENNARD3 | 3001 ALOMA AVE WINTER PARK, FL 32792 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $869 | $170 | $1K | 2.14% |
| NANCY BENNETT & ASSOCIATES INC3 Filed as: NANCY BENNETT & ASSOCIATES | PO BOX 84626 MIAMI, FL 33126 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $284 | — | $284 | 0.59% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BEVERLY DIANA HENRY-BROWN | 709 SUNBURST COVE LANE WINTER GARDEN, FL 34787 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $158 | $41 | $199 | 0.41% |
| JENNIFER LYNN CHRISTY3 | 1591 ARDEN STREET LONGWOOD, FL 32750 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $108 | — | $108 | 0.22% |
| STEVEN VERMETTE INC3 | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.05% |
| SAMUEL K RENNARD3 | 1409 ALLISON AVE ALTAMONTE SPRINGS, FL 32701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.01% |
| GENEVIEVE CARELLI3 | 547 CLEO LANE DELTONA, FL 32792 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | VISION SERVICE PLAN | $933 | — | $933 | 4.82% |
| MORENO FINANCIAL SERVICES, INC.3 Filed as: MORENO FINANCIAL SERVICES | 111 N MAGNOLIA AVE SUITE 1025 ORLANDO, FL 328012372 | VISION SERVICE PLAN | $150 | — | $150 | 0.77% |
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 | 245 | 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) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 307 | $1.9M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 461 | $296K |
| Vision | VISION SERVICE PLAN | 138 | $19K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 461 | $296K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 461 | $296K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 461 | $296K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 461 | $345K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 461 | — |
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.