| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA, INC. | P.O. BOX 162207 ALTAMONTE SPRINGS, FL 327162207 | BLUE CROSS BLUE SHIELD OF FLORIDA | $83K | — | $83K | 4.00% |
| INSURANCE OFFICE OF AMERICA Filed as: INSURANCE OFFICE OF AMERICA, INC. | 1855 W. STATE ROAD 434 LONGWOOD, FL 32750 | HUMANA - COMPBENEFITS | $10K | — | $10K | 8.45% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA, INC. | 1855 W. STATE ROAD 434 LONGWOOD, FL 327505069 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $4K | $15K | 13.61% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA, INC. | 1855 W. STATE ROAD 434 LONGWOOD, FL 32750 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15K | $3K | $18K | 16.52% |
| WORKSITE BENEFITS SOLUTION LLC3 | 2622 WYMAN CIR KISSIMMEE, FL 34744 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $3K | $8K | 7.44% |
| SARAH WEYMOUTH3 | 306 MAPLE AVE KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $889 | $3K | 3.20% |
| CALVIN Y. BUCZKOWSKI3 | 2608 TALL MAPLE LOOP OCOEE, FL 34761 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $326 | $976 | $1K | 1.22% |
| WINFREDA HELEN LUTZ3 | 16658 HAMILTON DR ORLANDO, FL 32833 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $983 | $273 | $1K | 1.18% |
| CARUSO INSURANCE BENEFITS INC3 Filed as: CARUSO INSURANCE BENEFITS INC. | 10872 WILDERNESS CT ORLANDO, FL 32821 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $64 | $1K | 1.14% |
| GINAKES & ASSOCIATES LLC3 Filed as: GINAKES & ASSOICATES LLC | 1020 WEST INTERNATIONAL SPEED DAYTONA BEACH, FL 32114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $563 | $444 | $1K | 0.95% |
| BARBARA C BRENLOVE3 | P.O. BOX 470701 CELEBRATION, FL 34747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $754 | $123 | $877 | 0.82% |
| GREG W WOOLLEY3 Filed as: GREG W. WOOLLEY | 15492 CLIFFVIEW DR MONTCLAIR, VA 22026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $765 | $103 | $868 | 0.82% |
| HANNAH ELIZABETH STONE3 | 1675 E. CIELO GRANDE AVE. PHOENIZ, AZ 85024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $682 | $43 | $725 | 0.68% |
| WINDY SILVA3 | 917 WINDMILL GROVE CIRCLE ORLANDO, FL 32828 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $635 | $22 | $657 | 0.62% |
| OMAR ENRIQUE FIGUEROA3 | 2862 GRASMERE VIEW PKWY KISSIMMEE, FL 34746 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $608 | $25 | $633 | 0.60% |
| KENNETH A HOLDER3 Filed as: KENNETH HOLDER | 638 LAKEHAVEN CIRCLE ORLANDO, FL 32828 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $548 | $13 | $561 | 0.53% |
| WORKPLACE BENEFIT SOLUTIONS LLC3 | 80 SHADOW LANE LAKELAND, FL 33813 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $415 | — | $415 | 0.39% |
| PAULA LEE BELLEY3 | 4317 LONGSHORE DR LAND O LAKES, FL 34639 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $339 | $13 | $352 | 0.33% |
| MELISSA ATKINS3 | 1068 LOTUS PKWY #833 ALTAMONTE SPRINGS, FL 32714 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $330 | — | $330 | 0.31% |
| JENNIFER WEYMOUTH RESMONDO3 Filed as: JENNIFER WEYMOUTH EVANS | 2940 OAKTREE DRIVE KISSIMMEE, FL 34744 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $219 | $83 | $302 | 0.28% |
| CRISTINA JOHNSON3 | 7418 STREAM VALLEY CT ST LOUIS, MO 63129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $213 | $13 | $226 | 0.21% |
| DEANNA BOUFFORD3 | 323 PLEASANT ST KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $128 | $39 | $167 | 0.16% |
| ROBERT SHAVERS3 | 1537 COLONY AVE KISSIMMEE, FL 34744 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $142 | $3 | $145 | 0.14% |
| B V STONE INC3 | 1800 SUNSET HARBOUR POINTE LAWRENCEVILLE, GA 30043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $106 | $36 | $142 | 0.13% |
| ELROY WITWER3 | 2216 WISMER AVE. ST. LOUIS, MO 63114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $141 | — | $141 | 0.13% |
| VIRGINIA MARIE GRAB3 | 7417 STREAM VALLEY CT. ST LOUIS, MO 63129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $140 | — | $140 | 0.13% |
| CROWN WEALTH MANAGEMENT INC3 | 7418 STREAM VALLEY CT ST LOUIS, MO 63129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | $30 | $96 | 0.09% |
| MICHAEL N THORN3 Filed as: MICHAEL N. THORN | 3 MAINSAIL CT GREENSBORO, NC 27455 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $92 | $1 | $93 | 0.09% |
| DARRYL HYMES3 | 3900 JERMANTOWN RD FARIFAX, VA 22030 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | $32 | $90 | 0.08% |
| CODIE RENEE TENNANT-GOLDILLA3 | 869 ARAWANA DR ORANGE CITY, FL 82763 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $88 | — | $88 | 0.08% |
| JOHN PHILIP RHODES JR3 | 136 N. HERMITAGE RD BEAUFORT, SC 29902 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | — | $75 | 0.07% |
| DURWOOD BOOTH JR3 | 6231 HIGHAM DRIVE ALEXANDRIA, VA 22310 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | $15 | $73 | 0.07% |
| SUSAN HENDRICKS3 | 6718 N. PALM CANYON DR. PHOENIZ, AZ 85018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | $10 | $62 | 0.06% |
| GENTRY INSURANCE INC3 Filed as: GENTRY INSURANCE INC. | 9140 W. COOLBROOK AVE. PEORIA, AZ 85382 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | $5 | $57 | 0.05% |
| RODERICK A. SENIOR3 Filed as: RODERICK A SENIOR | 11820 SWEET PEA CT TAMPA, FL 33635 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.03% |
| EMLYN MARSTELLER IV3 Filed as: EMLYN H. MARSTELLER IV | 412 SUGARLAND MEADOW DRIVE HERNDON, VA 20170 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | $2 | $32 | 0.03% |
| CONSTANCE LABONTE3 | 4824 WILLOW RIDGE TERRACE VALRICO, FL 33594 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.03% |
| CAROLE H WARREN3 Filed as: CAROLE H. WARREN | 1300 27TH PLACE SOUTH BIRMINGHAM, AL 35205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | $3 | $27 | 0.03% |
| KLD INSURANCE BENEFITS INC3 | 2500 NORTHWINDS PARKWAY ALPHARETTA, GA 30009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $14 | $23 | 0.02% |
| KELLIE MCLENDON3 | 376 REMINGTON DR OVIEDO, FL 32765 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.02% |
| ROBERT P BARBATI3 Filed as: ROBERT P BARATI | 1078 N. SHADOW DR MT PLEASANT, SC 29464 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $3 | $18 | 0.02% |
| JOHNNY L. JOHNSON3 | 1106 GRANDVIEW DR KIRKWOOD, MO 63122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.02% |
| BARBARA J LAKE3 | 226 N. HIGH ST MORRISTOWN, IN 46161 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $1 | $17 | 0.02% |
| PAUL STANLEY JR3 | 880 JOHNN DODD BLVD MT PLEASANT, SC 29464 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $7 | $15 | 0.01% |
| TERESA D'ASCOLI3 | 16905 VINE COURT OLNEY, MD 20832 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $1 | $14 | 0.01% |
| NORMAC SOLUTIONS INC3 | 3730 EVEREST DR MONTGOMERY, AL 36106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $4 | $14 | 0.01% |
| MESHEL ANDRIA RIEDEL3 | 150 CARONDOLET AVE. CLAYTON, MO 63105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $4 | $14 | 0.01% |
| HEATHER NICOLE DOUGLAS3 | 242 CHATEAUGAY LANE CHESTERFIELD, MO 63017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.01% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 9512 CHANDER DR RALEIGH, NC 27615 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $2 | $12 | 0.01% |
| EDUCATED BENEFITS LLC3 | 7263 BRAXTON DR NOBLESVILLE, IN 46062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.01% |
| PAMELA J WALKER3 Filed as: PAMELA J. WALKER | 7457 PRAIRIE ROAD NE ALBURQUERQUE, NM 87109 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $3 | $8 | 0.01% |
| R AND T FIGUEROA LLC3 Filed as: R&T FIGUEROA | 7569 S CARLISLE AVE TUCSON, AZ 85746 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $1 | $8 | 0.01% |
| ADVANCED BENEFIT SYSTEM INC3 | 1301 GERVAIS STREET COLUMBIA, SC 29201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $3 | $6 | 0.01% |
| JEFFREY D BRINDLE3 | 10811 LAKEVIEW DRIVE CARMEL, IN 46033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $1 | $4 | 0.00% |
| KLINGBEIL AND ASSOCIATES INC3 | KINGBEIL ASSOICATES ATLANTA, GA 30328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.00% |
| DAVID MCLEOD3 | 1207 SOUTH 4 MERKEL, TX 79536 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| EC BENEFITS INC3 | 5205 EAST PIMA STREET TUCSON, AZ 85712 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JEFFREY MOTSCO3 | 5965 SANDY RIDGE ELKRIDGE, MD 21075 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MULLANEY ENTERPRISES LLC3 | 5850 WATERLOO RD COLUMBIA, MD 21043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| DICE INSURANCE INC3 | 38 BELOMORE RD LUTHERVILLE, MD 21093 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA, INC. | 1855 W. STATE ROAD 434 LONGWOOD, FL 327505069 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $4K | $18K | 18.95% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA, INC. | 1855 W. STATE ROAD 434 LONGWOOD, FL 327505069 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $3K | $8K | 14.49% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA, INC. | P.O. BOX 162207 ALTAMONTE SPRINGS, FL 327162207 | HUMANA - COMPBENEFITS | $3K | — | $3K | 10.02% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA, INC. | 1855 W. STATE ROAD 434 LONGWOOD, FL 327505069 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $740 | $3K | 16.17% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA, INC. | 1855 W. STATE ROAD 434 LONGWOOD, FL 32750 | HUMANA - COMPBENEFITS | $3K | — | $3K | 249.56% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA, INC. | P.O. BOX 162207 ALTAMONTE SPRINGS, FL 32716 | AMERICAN FIDELITY ASSURANCE COMPANY | $32 | — | $32 | 10.00% |
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 | 590 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 608 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 246 | $2.1M |
| Dental(2 contracts) | HUMANA - COMPBENEFITS | 304 | $120K |
| Vision | HUMANA - COMPBENEFITS | 276 | $33K |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 673 | $221K |
| Short-term disability(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 673 | $235K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 152 | $58K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 246 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 673 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.