| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA, INC. | 1855 WEST STATE ROAD, SUITE 434 LONGWOOD, FL 32750 | UNITEDHEALTHCARE INSURANCE COMPANY | $23K | $214K | $237K | 6.50% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA, INC. | 1855 WEST STATE ROAD, SUITE 434 LONGWOOD, FL 32750 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $40K | $15K | $56K | 16.23% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA, INC. | 1855 WEST STATE ROAD, SUITE 434 LONGWOOD, FL 32750 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20K | $4K | $25K | 11.91% |
| KENNETH A HOLDER3 Filed as: KENNETH A. HOLDER AND OTHER AGENTS | 870 GREENSHANK DRIVE HAINES CITY, FL 33844 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | $1K | $14K | 6.56% |
| WORKSITE BENEFITS SOLUTION LLC3 Filed as: WORKSITE BENEFITS SOLUTION, LLC | 2622 WYMAN CIRCLE KISSIMMEE, FL 34744 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $3K | $9K | 4.53% |
| SARAH WEYMOUTH3 | 107 OCEAN TERRACE INDIALANTIC, FL 32903 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $1K | $5K | 2.44% |
| CALVON Y BUCZKOWSKI3 Filed as: CALVON Y. BUCZKOWSKI | 2608 TALL MAPLE LOOP OCOEE, FL 34761 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $776 | $2K | 1.17% |
| JENNIFER WEYMOUTH RESMONDO3 | 2940 OAKTREE DRIVE KISSIMMEE, FL 34744 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $517 | $2K | 1.07% |
| BIANCA NAVARRO3 | 8005 HEMINGWAY CIRCLE HAINES CITY, FL 33844 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $239 | $2K | 0.86% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA, INC. | 1855 WEST STATE ROAD, SUITE 434 LONGWOOD, FL 32750 | THE PAUL REVERE LIFE INSURANCE COMPANY | $132 | $0 | $132 | 4.60% |
| AIKEN ENTERPRISES LLC3 Filed as: AIKEN ENTERPRISES, LLC | 341 GILLIGAN ROAD HUDSON, NY 12534 | THE PAUL REVERE LIFE INSURANCE COMPANY | $60 | $0 | $60 | 2.09% |
| JENNIFER WEYMOUTH RESMONDO3 | 2940 OAKTREE DRIVE KISSIMMEE, FL 34744 | THE PAUL REVERE LIFE INSURANCE COMPANY | $38 | $13 | $51 | 1.78% |
| CALVON Y BUCZKOWSKI3 Filed as: CALVON Y. BUCZKOWSKI AND AGENTS | 2608 TALL MAPLE LOOP OCOEE, FL 34761 | THE PAUL REVERE LIFE INSURANCE COMPANY | $37 | $3 | $40 | 1.39% |
| SARAH WEYMOUTH3 | 107 OCEAN TERRACE INDIALANTIC, FL 32903 | THE PAUL REVERE LIFE INSURANCE COMPANY | $30 | $0 | $30 | 1.04% |
| WORKSITE BENEFITS SOLUTION LLC3 Filed as: WORKSITE BENEFITS SOLUTION, LLC | 2622 WYMAN CIRCLE KISSIMMEE, FL 34744 | THE PAUL REVERE LIFE INSURANCE COMPANY | $28 | $0 | $28 | 0.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GEORGE HILLENBRAND | 227 HILL ROAD COBLESKILL, NY 12043 | THE PAUL REVERE LIFE INSURANCE COMPANY | $19 | $0 | $19 | 0.66% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA, INC. | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | AMERICAN FIDELITY ASSURANCE COMPANY | $35 | $0 | $35 | 10.09% |
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 | 822 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 829 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 822 | $3.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 822 | $3.6M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 822 | $3.6M |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 778 | $346K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 778 | $343K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 778 | $343K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 822 | $3.6M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 778 | $551K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 822 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.