| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | — | BERKLEY ACCIDENT AND HEALTH INSURANCE CO | — | $35K | $35K | 7.00% |
| UMR, INC.3 Filed as: UMR | — | BERKLEY ACCIDENT AND HEALTH INSURANCE CO | — | $5K | $5K | 1.00% |
| FOUNDATION RISK PARTNERS CORP3 | — | GUARDIAN | $10K | $4K | $14K | 14.09% |
| OMS INSURANCE GROUP3 Filed as: OMS INS GROUP LLC | PO BOX 2 LAKELAND, FL 33802 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 12.43% |
| FOUNDATION RISK PARTNERS CORP3 | 26 LAKE WIRE DR LAKELAND, FL 33815 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.57% |
| OMS INSURANCE GROUP3 Filed as: OMS INS GROUP LLC | PO BOX 2 LAKELAND, FL 33802 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 12.08% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RIS PARTNERS CORP | 26 LAKE WIRE DR LAKELAND, FL 33815 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.92% |
| FOUNDATION RISK PARTNERS CORP3 | 1540 CORNERSTONE BLVD DAYTONA BEACH, FL 32117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $197 | $6K | 18.53% |
| CHOICE BENEFITS SOLUTIONS LLC3 | 11399 81ST PL SEMINOLE, FL 33772 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $569 | $372 | $941 | 2.81% |
| HEIL BUSINESS SOLUTIONS CORPORATION3 | 3909 SHORESIDE CIR TAMPA, FL 33624 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $348 | $111 | $459 | 1.37% |
| JAQUELYN LORETTA CARTER3 | 4416 LARKFIELD LN TAMPA, FL 33624 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $89 | $4 | $93 | 0.28% |
| ANGEL GABRIEL VELAZQUEZ-DIAZ3 Filed as: ANGEL GABRIEL VELAZQUEZ DIAZ | 2022 ESTANCIA CIR STE 6 KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | $18 | $58 | 0.17% |
| RONALD AUSTIN WIMBERLEY3 | PO BOX 1097 SANTA ROSA BEACH, FL 32459 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | — | $42 | 0.13% |
| JENNIFER LYNN WIMBERLEY3 | PO BOX 14178 EAST DUBLIN, GA 31027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.07% |
| OMS OF NORTHWEST FLORIDA INC3 | PO BOX 1097 SANTA ROSA BEACH, FL 32459 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.05% |
| JOHN ANTHONY CARREIRO III3 | 11750 CAPRI CIR S APT 3 TREASURE ISLAND, FL 33706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| PJ SKELTON LLC3 | 1580 CLUB CREEK DR AUBURN, AL 36830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| CORCORAN & HOYT LLC3 | 3905 TAMPA RD OLDSMAR, FL 34677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $2 | $5 | 0.01% |
| JOEY MIGUES3 Filed as: JOEY GRUBBS BENEFITS LLC | 525 TAYLOR RD MONTICELLO, FL 32344 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| THE MEEHAN AGENCY LLC3 | 1924 DOWN HOLLOW LN WINDERMERE, FL 34786 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $1 | $4 | 0.01% |
| NICOLE TOWNSEND VEDDER3 | 6548 WILDEMEADE PL TALLAHASSEE, FL 32309 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| THOMAS WALLACE JR3 | 200 COUNTY RD 444 OXFORD, MS 38655 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| SARAH WEYMOUTH3 Filed as: SARAH WEYMOUTH LLC | 107 OCEAN TERRACE INDIATLANTIC, FL 32903 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| WORKSITE BENEFITS SOLUTION LLC3 | 2622 WYMAN CIRCLE KISSIMMEE, FL 34744 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| CARUSO INSURANCE BENEFITS INC3 | 10872 WILDERNESS CT ORLANDO, FL 32821 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| GINAKES & ASSOCIATES LLC3 | 1020 W INTERNATIONAL SPEEDWAY DAYTONA BEACH, FL 32114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| OMS INSURANCE GROUP3 Filed as: OMS INS GROUP LLC | PO BOX 2 LAKELAND, FL 33802 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 12.88% |
| FOUNDATION RISK PARTNERS CORP3 | 26 LAKE WIRE DR LAKELAND, FL 33815 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $596 | — | $596 | 2.12% |
| OMS INSURANCE GROUP3 Filed as: OMS INSURANCE GROUP LLC | PO BOX 2 LAKELAND, FL 33802 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $910 | — | $910 | 8.34% |
| FOUNDATION RISK PARTNERS CORP3 | 26 LAKE WIRE DR LAKELAND, FL 33815 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $180 | — | $180 | 1.65% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $174K |
| OMS INSURANCE GROUP INC EIN 59-3757026 BROKER | Other commissions Service code 55 | PO BOX 2 LAKELAND, FL 33802 | $47K |
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 | 275 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 188 | $98K |
| Vision | GUARDIAN | 188 | $98K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 275 | $101K |
| Short-term disability(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 275 | $97K |
| Long-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 75 | $62K |
| Stop-loss / reinsurancereinsurance | BERKLEY ACCIDENT AND HEALTH INSURANCE CO | 223 | $500K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 275 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.