| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRUCE GOIN3 | 200 GALERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD OF FLORIDA | $50K | — | $50K | 2.04% |
| WILLIAM GLASS3 | 850 CONCOURSE PKWY S. SUITE 200 MAITLAND, FL 327526145 | BLUE CROSS BLUE SHIELD OF FLORIDA | $24K | — | $24K | 0.96% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC. | 200 GALERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $26K | $12K | $38K | 11.09% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 7701 AIRPORT CENTER DRIVE GREENSBORO, NC 27409 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | — | $8K | 2.42% |
| NORWOOD BENEFIT SERVICES INC3 Filed as: NORWOOD BENEFITS SERVICES, INC. | 6478 LONG BREEZE ROAD ORLANDO, FL 32810 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $240 | $6K | 8.73% |
| ELIZABETH SCHENK3 Filed as: ELIZABETH MORENO-HARAMBOURE | 8581 SUMMERVILLE PLACE ORLANDO, FL 32819 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 5.82% |
| WILLIAM RENNARD3 | 3001 ALOMA AVENUE WINTER PARK, FL 32792 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $716 | $2K | 2.73% |
| SABRINA S RAMOS3 Filed as: SABRINA S. RAMOS | 13750 W. COLONIAL DRIVE WINTER GARDEN, FL 34787 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $858 | $70 | $928 | 1.28% |
| YESENIA A SANCHEZ3 Filed as: YESENIA A. SANCHEZ | 1021 DELRIDGE AVENUE ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $284 | $15 | $299 | 0.41% |
| NANCY BENNETT & ASSOCIATES INC3 Filed as: NANCY BENNETT & ASSOCIATES INC. | SJO 84626 MIAMI, FL 33126 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $154 | — | $154 | 0.21% |
| REUBEN F JACOBS JR3 Filed as: REUBEN F. JACOBS JR. | 2700 BAYSHORE ROAD BLVD DUNEDIM, FL 34698 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | — | $54 | 0.07% |
| JOHN PICCININI3 Filed as: JOHN PINCINI | 425 W COLONIAL DRIVE SUITE 304 ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.03% |
| STEVEN VERMETTE INC3 Filed as: STEVEN VERMETTE INC. | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.02% |
| KAREN PICCININI3 Filed as: KAREN PICCINNI | 245 W COLONIAL DRIVE ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| GENEVIEVE CARELLI3 | 547 CLEO LANE 0 DELTONA, FL 32792 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | VISION SERVICE PLAN | $986 | — | $986 | 4.02% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 3201 BEECHLEAF COURT SUITE 200 RALEIGH, NC 276041547 | VISION SERVICE PLAN | $607 | — | $607 | 2.47% |
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 | 258 | 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) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 219 | $2.5M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 432 | $345K |
| Vision | VISION SERVICE PLAN | 153 | $25K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 432 | $418K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 432 | $418K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 432 | $345K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 432 | $418K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 432 | — |
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.