| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROVINSURE INC3 | 9700 INTERNATIONAL DRIVE ORLANDO, FL 32819 | LINCOLN LIFE INSURANCE COMPANY | $64K | $6K | $70K | 10.88% |
| PROVINSURE INC3 | 9700 INTERNATIONAL DRIVE ORLANDO, FL 32819 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $81K | $10K | $91K | 16.95% |
| PREPARE BENEFITS, LLC3 Filed as: PREPARE BENEFITS | 10524 MOSS PARK RD #204-30 ORLANDO, FL 32832 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $54K | — | $54K | 10.00% |
| PROVINSURE INC3 Filed as: PROVINSURE INC, | 9700 INTERNATIONAL DRIVE ORLANDO, FL 32819 | LINCOLN LIFE INSURANCE COMPANY | $65K | $9K | $74K | 17.15% |
| PREPARE BENEFITS, LLC3 Filed as: PREPARE BENEFITS | 10524 MOSS PARK RD #204-30 ORLANDO, FL 32832 | LINCOLN LIFE INSURANCE COMPANY | $43K | — | $43K | 10.00% |
| PREPARE BENEFITS, LLC3 Filed as: PREPARE BENEFITS | 10524 MOSS PARK RD 204-306 ORLANDO, FL 32832 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $120K | — | $120K | 30.56% |
| PROVINSURE INC3 | 9700 INTERNATIONAL DRIVE ORLANDO, FL 32819 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $120K | — | $120K | 30.56% |
| PROVINSURE INC3 | 9700 INTERNATIONAL DRIVE ORLANDO, FL 32819 | UNION SECURITY INSURANCE COMPANY | $23K | — | $23K | 9.97% |
| PROVINSURE INC3 Filed as: PROVINSURE INV | 9700 INTERNATIONAL DRIVE ORLANDO, FL 32819 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $34K | $4K | $38K | 16.86% |
| PREPARE BENEFITS, LLC3 Filed as: PREPARE BENEFITS | 10524 MOSS PARK RD #204-30 ORLANDO, FL 32832 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | — | $22K | 10.00% |
| KAREN PICCININI3 | 425 W COLONIAL DR ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $35 | $2K | 2.07% |
| PROVINSURE INC3 Filed as: PROVINSURE INC, | 9700 INTERNATIONAL DRIVE ORLANDO, FL 32819 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 2.05% |
| JOHN PICCININI3 | 425 W COLONIAL DRIVE STE 304 ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $471 | $11 | $482 | 0.46% |
| STEVEN VERMETTE INC3 | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $246 | — | $246 | 0.23% |
| FRANK M GAMMON3 | 10604 CRESCENT LAKE CT CLERMONT, FL 34711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $157 | — | $157 | 0.15% |
| CARUSO INSURANCE BENEFITS INC3 | 10872 WILDERNESS CT ORLANDO, FL 32821 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.01% |
| R K MATHEWS INC3 Filed as: RK MATHEWS INC | 853 GREENS AVE ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| JOHN E CUMMINGS3 Filed as: JOHN JOHNSON | 1618 FOX GLEN CT WINTER SPRINGS, FL 32708 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| PROVINSURE INC3 | 9700 INTERNATIOANL DRIVE ORLANDO, FL 32819 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $3K | $16K | 15.52% |
| PROVINSURE INC3 | 9700 INTERNATIONAL DRIVE ORLANDO, FL 32819 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $1K | $9K | 15.53% |
| PROVINSURE INC3 | 9700 INTERNATIONAL DRIVE ORLANDO, FL 32819 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $804 | $8K | 13.41% |
| PREPARE BENEFITS, LLC3 Filed as: PREPARE BENEFITS | 10524 MOSS PARK RD #204-30 ORLANDO, FL 32832 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.00% |
| PROVINSURE INC3 | 9700 INTERNATIONAL DRIVE ORLANDO, FL 32819 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $43 | $23 | $66 | 15.35% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH FIRST ADMINISTRATIVE PLANS EIN 47-2881690 CONTRACT ADM | Contract Administrator Service code 13 | — | $1.4M |
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 | 2,662 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,669 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 2 carriers) | LINCOLN LIFE INSURANCE COMPANY | 2,484 | $700K |
| Vision | UNION SECURITY INSURANCE COMPANY | 1,795 | $233K |
| Life insurance(3 contracts, 3 carriers) | LINCOLN LIFE INSURANCE COMPANY | 2,997 | $640K |
| Short-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,803 | $930K |
| Long-term disability(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 1,803 | $675K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,997 | — |
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.