| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROVINSURE INC3 | 4000 DESTINATION PARKWAY ORLANDO, FL 32819 | DELTA DENTAL INSURANCE COMPANY | $57K | — | $57K | 10.00% |
| PROVINSURE INC3 Filed as: PROVINSURE, INC. | 4000 DESTINATION PARKWAY ORLANDO, FL 32819 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $67K | — | $67K | 15.00% |
| JENNINGS INSURANCE SERVICES3 Filed as: JENNINGS INS SVCS INC | 10524 MOSS PARK RD 204-306 ORLANDO, FL 32832 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $45K | — | $45K | 10.00% |
| JENNINGS INSURANCE SERVICES3 Filed as: JENNINGS INSURANCE SVCE | 10524 MOSS PARK RD 204-306 ORLANDO, FL 32832 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26K | — | $26K | 6.04% |
| PROVINSURE INC3 | 4000 DESTINATION PARKWAY ORLANDO, FL 32819 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26K | — | $26K | 6.02% |
| PROVINSURE INC3 | 4000 DESTINATION PARKWAY ORLANDO, FL 32819 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $56K | — | $56K | 15.00% |
| JENNINS INS SVCS INC3 | 10524 MOSS PARK RD 204-306 ORLANDO, FL 32832 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $37K | — | $37K | 10.00% |
| PROVINSURE INC3 | 4000 DESTINATION PARKWAY ORLANDO, FL 32819 | SUN LIFE ASSURANCE COMPANY OF CANADA | $27K | — | $27K | 10.16% |
| PROVINSURE INC3 | 4000 DESTINATION PARKWAY ORLANDO, FL 32819 | DELTA DENTAL INSURANCE COMPANY | $18K | — | $18K | 10.00% |
| PROVINSURE INC3 Filed as: PROVINSURE, INC. | 4000 DESTINATION PARKWAY ORLANDO, FL 32819 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $25K | — | $25K | 15.00% |
| JENNINGS INSURANCE SERVICES3 Filed as: JENNINGS INS SVGS INC | 10524 MOSS PARK RD 204306 ORLANDO, FL 32832 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | — | $17K | 10.00% |
| PROVINSURE INC3 Filed as: PROVINSURE, INC. | 4000 DESTINATION PARKWAY ORLANDO, FL 32819 | LINCOLN LIFE INSURANCE COMPANY | $11K | — | $11K | 13.00% |
| PROVINSURE INC3 Filed as: PROVINSURE INC. | 4000 DESTINATION PARKWAY ORLANDO, FL 32819 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.79% |
| KAREN PICCININI3 | 425 W COLONIAL DR ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.75% |
| JOHN PICCININI3 | 425 W COLONIAL DR ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $306 | — | $306 | 0.46% |
| STEVEN VERMETTE INC3 | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $163 | — | $163 | 0.25% |
| FRANK M GAMMON3 Filed as: FRANK M GRAMMON | 10604 CRESCENT LAKE CT CLERMONT, FL 34711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $80 | — | $80 | 0.12% |
| CARUSO INSURANCE BENEFITS INC3 | 10872 WILDERNESS CT ORLANDO, FL 32821 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.02% |
| R K MATHEWS INC3 Filed as: RK MATHEWS INC | 853 GREENS AVE ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| JOHN E CUMMINGS3 Filed as: JOHN JOHNSON | 1618 FOX GLEN CT WINTER SPRINGS, FL 32708 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| PROVINSURE INC3 Filed as: PROVINSURE, INC. | 4000 DESTINATION PARKWAY ORLANDO, FL 32819 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 13.00% |
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 | 1,963 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 58 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,021 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED BEHAVIORAL HEALTH DBA OPTUM | 2,833 | $88K |
| Dental(2 contracts) | DELTA DENTAL INSURANCE COMPANY | 3,859 | $753K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,425 | $269K |
| Life insurance(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,293 | $525K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 539 | $438K |
| Long-term disability(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 539 | $657K |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,293 | $536K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,859 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.