| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PREPARE BENEFITS, LLC3 Filed as: PREPARE BENEFITS | 10524 MOSS PARK RD #204-306 ORLANDO, FL 32832 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $49K | — | $49K | 7.12% |
| PROVINSURE INC3 Filed as: PROVINSURE, INC. | 4000 DESTINATION PARKWAY ORLANDO, FL 32819 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $49K | — | $49K | 7.12% |
| PROVINSURE INC3 Filed as: PROVINSURE, INC. | 4000 DESTINATION PARKWAY ORLANDO, FL 32819 | DELTA DENTAL INSURANCE COMPANY | $64K | — | $64K | 10.00% |
| PROVINSURE INC3 Filed as: PROVINSURE, INC. | 4000 DESTINATION PARKWAY ORLANDO, FL 32819 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $81K | — | $81K | 15.00% |
| PREPARE BENEFITS, LLC3 Filed as: PREPARE BENEFITS | 10524 MOSS PARK ROAD #204-30 ORLANDO, FL 32832 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $54K | — | $54K | 10.00% |
| PROVINSURE INC3 Filed as: PROVINSURE, INC. | 4000 DESTINATION PARKWAY ORLANDO, FL 32819 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $72K | — | $72K | 15.00% |
| PREPARE BENEFITS, LLC3 Filed as: PREPARE BENEFITS | 10524 MOSS PARK RD #204-30 ORLANDO, FL 32832 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $48K | — | $48K | 10.00% |
| PROVINSURE INC3 Filed as: PROVINSURE, INC | 4000 DESTINATION PARKWAY ORLANDO, FL 32819 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $32K | — | $32K | 15.00% |
| PREPARE BENEFITS, LLC3 Filed as: PREPARE BENEFITS | 10524 MOSS PARK RD #204--30 ORLANDO, FL 32832 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | — | $21K | 10.00% |
| PROVINSURE INC3 Filed as: PROVINSURE, INC. | 4000 DESTINATION PARKWAY ORLANDO, FL 32819 | DELTA DENTAL INSURANCE COMPANY | $17K | — | $17K | 10.00% |
| PROVINSURE INC3 Filed as: PROVINSURE, INC. | 4000 DESTINATION PARKWAY ORLANDO, FL 32819 | LINCOLN LIFE INSURANCE COMPANY | $13K | — | $13K | 13.00% |
| PROVINSURE INC3 Filed as: PROVINSURE INC. | 4000 DESTINATION PARKWAY ORLANDO, FL 32819 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.68% |
| KAREN PICCININI3 | 425 W COLONIAL DR ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.60% |
| JOHN PICCININI3 | 425 W COLONIAL DR ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $418 | — | $418 | 0.43% |
| STEVEN VERMETTE INC3 | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $227 | — | $227 | 0.23% |
| FRANK M GAMMON3 | 10604 CRESCET LAKE CLERMONT, FL 34711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $109 | — | $109 | 0.11% |
| DIANNE E MCCOY3 Filed as: DIANNE MCCOY | 9561 SW 63RD LOOP OCALA, FL 34481 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | — | $51 | 0.05% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: CARUSO INSURACE BENEFITS INC, | 10872 WILDERNESS CT ORLANDO, FL 32821 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.02% |
| R K MATHEWS INC3 Filed as: RK MATHEWS INC, | 853 GREENS AVE ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| JONH JOHNSON3 | 1618 FOX GLEN CT WINTER SPRINGS, FL 32708 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| PROVINSURE INC3 Filed as: PROVINSURE, INC. | 4000 DESTINATION PARKWAY ORLANDO, FL 32819 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 13.00% |
| PROVINSURE INC3 Filed as: PROVINSURE, INC. | 4000 DESTINATION PARKWAY ORLANDO, FL 32819 | SUN LIFE ASSURANCE COMPANY OF CANADA | $27K | — | $27K | — |
| UNITED BEHAVIORAL HEALTH DBA OPTUM Filed as: UNITED BEHAVIORAL HEALTH | — | UNITED BEHAVIORAL HEALTH DBA OPTUM | — | $100K | $100K | — |
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 | 2,854 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,857 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED BEHAVIORAL HEALTH DBA OPTUM | 4,352 | $0 |
| Dental(2 contracts) | DELTA DENTAL INSURANCE COMPANY | 2,648 | $810K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,982 | $0 |
| Life insurance(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,208 | $676K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 2,412 | $695K |
| Long-term disability(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 2,412 | $959K |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,274 | $540K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,352 | — |
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.