| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROVINSURE INC3 | 4000 DESTINATION PKWY ORLANDO, FL 32819 | DELTA DENTAL INSURANCE COMPANY | $38K | — | $38K | 10.73% |
| JENNINGS INSURANCE SERVICES3 Filed as: JENNINGS INSURANCE SVCS | 10524 MOSS PARK RD 204-306 ORLANDO, FL 32832 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16K | — | $16K | 5.55% |
| PROVINSURE INC3 | 4000 DESTINATION PKWY ORLANDO, FL 32819 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16K | — | $16K | 5.54% |
| PROVINSURE INC3 | 4000 DESTINATION PKWY ORLANDO, FL 32819 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $32K | — | $32K | 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 | $21K | — | $21K | 10.00% |
| PROVINSURE INC3 | 4000 DESTINATION PKWY ORLANDO, FL 32819 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $32K | — | $32K | 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 | $21K | — | $21K | 10.00% |
| PROVINSURE INC3 | 4000 DESTINATION PKWY ORLANDO, FL 32819 | SUN LIFE ASSURANCE COMPANY OF CANADA | $22K | — | $22K | 10.80% |
| PROVINSURE INC3 | 4000 DESTINATION PKWY ORLANDO, FL 32819 | DELTA DENTAL INSURANCE COMPANY | $15K | — | $15K | 10.60% |
| PROVINSURE INC3 | 4000 DESTINATION PKWY ORLANDO, FL 32819 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 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 | $9K | — | $9K | 10.00% |
| PROVINSURE INC3 | 4000 DESTINATION PKWY ORLANDO, FL 32819 | LINCOLN LIFE INSURANCE COMPANY | $8K | — | $8K | 13.00% |
| PROVINSURE INC3 | 4000 DESTINATION PKWY ORLANDO, FL 32819 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 13.00% |
| STEVEN VERMETTE INC3 | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 3.89% |
| PROVINSURE INC3 | 4000 DESTINATION PKWY ORLANDO, FL 32819 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $731 | — | $731 | 1.62% |
| KAREN PICCININI3 | 425 W COLONIAL DR ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $698 | — | $698 | 1.55% |
| JOHN PICCININI3 | 425 W COLONIAL DR STE 304 ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $169 | — | $169 | 0.37% |
| FRANK M GAMMON3 | 10604 CRESCENT LAKE CT CLERMONT, FL 34711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | — | $54 | 0.12% |
| CARUSO INSURANCE BENEFITS INC3 Filed as: CARUSO INSURNACE BENEFITS INC | 10872 WILDERNESS CT ORLANDO, FL 32821 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.02% |
| JOHN E CUMMINGS3 Filed as: JOHN JOHNSON | 1618 FOX GLEN CT WINTER SPRINGS, FL 32708 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| DIANNE E MCCOY3 | 9561 SW 63RD LOOP OCALA, FL 34481 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PROVINSURE INC EIN 59-1536217 SERVICE PROVIDER | Insurance agents and brokers Service code 22 | 4000 DESTINATION PKWY ORLANDO, FL 32819 | $65K |
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 | 1,797 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,797 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED BEHAVIORAL HEALTH DBA OPTUM | 3,006 | $62K |
| Dental(2 contracts) | DELTA DENTAL INSURANCE COMPANY | 1,568 | $498K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,451 | $205K |
| Life insurance(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,003 | $323K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 400 | $287K |
| Long-term disability(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 400 | $431K |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,003 | $276K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,006 | — |
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.