| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | P.O. BOX 896620 CHARLOTTE, NC 282896624 | PRINCIPAL LIFE INSURANCE COMPANY | $25K | — | $25K | 9.20% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 7701 AIRPORT CENTER BLVD GREENSBORO, NC 27409 | PRINCIPAL LIFE INSURANCE COMPANY | — | $3K | $3K | 1.27% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | P.O. BOX 4927 MAITLAND, FL 328024927 | AMERITAS LIFE INSURANCE CORP. | $15K | — | $15K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 47 AIRPARK CT GREENVILLE, SC 296162149 | AMERITAS LIFE INSURANCE CORP. | — | $5K | $5K | 3.31% |
| NORWOOD BENEFIT SERVICES INC3 Filed as: NORWOOD BENEFITS SERVICES, INC. | 6478 LONG BREEZE ROAD ORLANDO, FL 32810 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $752 | $5K | 7.19% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7701 AIRPORT CENTER DRIVE GREENSBORO, NC 27409 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 3.21% |
| ELIZABETH SCHENK3 Filed as: ELIZABETH MORENO-HARAMBOURE | 8581 SUMMERVILLE PLACE ORLANDO, FL 32819 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $968 | — | $968 | 1.53% |
| WILLIAM RENNARD3 | 3001 ALOMA AVENUE WINTER PARK, FL 32792 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $723 | $136 | $859 | 1.36% |
| KAREN PICCININI3 | 6609 THE LANDINGS DRIVE ORLANDO, FL 32812 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $99 | $30 | $129 | 0.20% |
| NANCY BENNETT & ASSOCIATES INC3 Filed as: NANCY BENNETT & ASSOCIATES INC. | P.O BOX 25331 MIAMI, FL 33102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70 | — | $70 | 0.11% |
| JEFFREY D MCCOY3 | 206 EDGEWOOD DRIVE WEST PALM BEACH, FL 33405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 0.06% |
| JOHN PICCININI3 | 425 W COLONIAL DRIVE SUITE 304 ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.04% |
| YESENIA A SANCHEZ3 Filed as: YESENIA A. SANCHEZ | 1021 DELRIDGE AVENUE ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.03% |
| CREATIVE BENEFIT CONSULTANTS INC3 | 18214 102ND WAY S BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.02% |
| STEVEN VERMETTE INC3 Filed as: STEVEN VERMETTE INC. | 731 CYPRESS POINTE LANE HAYESVILLE, NC 28904 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| TILTON ASSOCIATES INC3 | 9840 W NOTCH PATH CRYSTAL RIVER, FL 34428 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| ROBERT SAMUEL PHILLIPS3 Filed as: ROBERT CARELLI | 547 CLEO LANE DELTONA, FL 32792 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
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 | 289 | 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) | 289 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 503 | $422K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 503 | $151K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 444 | $334K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 444 | $334K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 444 | $270K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 444 | $334K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 503 | — |
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.