| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRP CORP DBA ACENTRIA OMS3 | 26 LAKE WIRE DR LAKELAND, FL 33815 | HEALTH OPTIONS INC | $19K | — | $19K | 6.00% |
| FRP CORP DBA ACENTRIA OMS3 | 26 LAKE WIRE DR LAKELAND, FL 33815 | BLUE CORSS BLUE SHIELD OF FLORIDA | $13K | — | $13K | 6.00% |
| FOUNDATION RISK PARTNERS CORP3 | 780 W GRANADA BLVD STE 100 ORMOND BEACH, FL 32174 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18K | — | $18K | 13.67% |
| CHOICE BENEFITS SOLUTIONS LLC3 | 11399 81ST PL SEMINOLE, FL 33772 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $6K | $10K | 7.55% |
| ANGEL GABRIEL VELAZQUEZ-DIAZ3 Filed as: ANGEL VELAZQUEZ DIAZ | 2022 ESTANCIA CIR STE 6 KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | 4.53% |
| WORKSITE AMERICA LLC3 | 14141 46TH ST N STE 1209 CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 3.62% |
| MARIA GONZALEZ3 Filed as: MARIA LUISA GONZALEZ | 11804 MESSLER RD GIBONSTON, FL 33534 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $197 | $2K | 1.85% |
| KIM BAIROM3 | 629 PINE FOREST DR BRANDON, FL 33511 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $734 | — | $734 | 0.54% |
| JENNIFER WIMBERLEY3 | PO BOX 14178 EAST DUBLIN, GA 31027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $524 | — | $524 | 0.39% |
| CORCORAN & HOYT LLC3 | 3905 TAMPA RD OLDSMAR, FL 34677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $280 | $201 | $481 | 0.36% |
| COACH CONCEPTS INC3 Filed as: COACH CONCEPTS | 4750 HURON RD ST PETERSBURG, FL 33708 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $168 | $152 | $320 | 0.24% |
| THE MEEHAN AGENCY LLC3 | 1924 DOWN HOLLOW LN WINDERMERE, FL 34786 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $280 | $15 | $295 | 0.22% |
| BENJAMIN DARANG3 | 2901 NW 48TH AVE APT 167 LAUDERDALE LAKES, FL 33313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $221 | — | $221 | 0.16% |
| NICOLE VEDDER3 | 6548 WILDEMEADE PL TALLAHASSEE, FL 32309 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $212 | — | $212 | 0.16% |
| TIFFANY LEE ALLEN3 | 615 40TH AVE NE SAINT PETERSBURG, FL 33703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $168 | — | $168 | 0.12% |
| RONALD WIMBERLEY3 | PO BOX 1097 SANTA ROSA BEACH, FL 32459 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $165 | — | $165 | 0.12% |
| GRUBBS INSURANCE3 | 525 TAYLOR RD MONTICELLO, FL 32344 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $114 | — | $114 | 0.08% |
| LISA HEIL BUSENBARK3 | 3909 SHORESIDE CIR TAMPA, FL 33624 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $91 | — | $91 | 0.07% |
| EDWARD D SOMMER3 Filed as: EDWARD GUY JR | 716 RED FERN RD TALLAHASSEE, FL 32308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | — | $49 | 0.04% |
| OMAR ENRIQUE FIGUEROA3 Filed as: OMAR FIGUEROA | 3424 DOUGLAS CT KISSIMMEE, FL 34746 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.03% |
| CTL SERVICES INC3 | 1140 CLIMBING ROSE DR ORLANDO, FL 32818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.02% |
| CREATIVE BENEFIT CONSULTANTS INC3 | 18214 102ND WAY S STE 100 BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $14 | $23 | 0.02% |
| MARGARITA MACIAS-CHARBONIER3 Filed as: MARGARITA MACIAS CHARBONIER | 3649 LANA CIR TALLAHASSEE, FL 32308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| BERNARD PHILLIP3 | 325 NW SPANISH RIVER BLVD BOCA RATON, FL 33431 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| DARCIPRETE AND ASSOCIATES INC3 Filed as: DARCIPRETE & ASSOCIATES | 12945 US HWY 331 MONGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| FRANCHESKA FERNANDEZ DIAZ3 Filed as: FRANCHESKA DIAZ | 2030 ESTANICIA CIR KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| FOUNDATION RISK PARTNERS CORP3 | 26 LAKE WIRE DR LAKELAND, FL 33815 | GUARDIAN | $3K | — | $3K | 4.99% |
| ASSOCIATED AGENCIES, INC3 Filed as: ASSOCIATED AGENCIES INC | 1701 WEST GOLF STE 700 TOWER 3 ROLLING MEADOWS, IL 60008 | GUARDIAN | $2K | — | $2K | 4.04% |
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 | 207 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS INC | 52 | $543K |
| Dental | GUARDIAN | 207 | $56K |
| Vision | GUARDIAN | 207 | $56K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 207 | $191K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 207 | $191K |
| Long-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 207 | $191K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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.