| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OMS INSURANCE GROUP3 | 26 LAKE WIRE DR LAKELAND, FL 33815 | HEALTH OPTIONS | $39K | — | $39K | 6.08% |
| OMS OF NORTHWEST FLORIDA INC3 | PO BOX 1097 SANTA ROSA BEACH, FL 32459 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $23 | $4K | 3.44% |
| OMS INSURANCE GROUP3 Filed as: OMS INSURANCE GROUP LLC | PO BOX 2 LAKELAND, FL 33802 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 2.66% |
| FOUNDATION RISK PARTNERS CORP3 | 26 LAKE WIRE DR LAKELAND, FL 33815 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $3 | $2K | 1.62% |
| NICOLE TOWNSEND VEDDER3 | 3370 LAKE RUN DR TALAHASSEE, FL 32309 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $113 | $1K | 1.09% |
| JOEY GRUBBS BENEFITS LLC3 | 525 TAYLOR RD MONTICELLO, FL 32459 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $672 | $310 | $982 | 0.85% |
| ANGEL GABRIEL VELAZQUEZ-DIAZ3 Filed as: ANGEL GABRIEL VELAZQUEZ DIAZ | 2022 ESTANCIA CIR KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $579 | $47 | $626 | 0.54% |
| HOWARD L WEATHERS3 Filed as: HOWARD WEATHERS | 1119 ROSEWOOD DR TALLAHASSEE, FL 32301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $603 | — | $603 | 0.52% |
| JENNIFER LYNN WIMBERLEY3 Filed as: JENNIFER LYNN WIMBERLY | 3557 GEORGIA HIGHWAY 338 CADWELL, GA 31009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $422 | — | $422 | 0.37% |
| MARGARITA MACIAS-CHARBONIER3 Filed as: MARGARITA MACIAS CHARBONIER | 3649 LANA CIRCLE TALLAHASSEE, FL 32308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $154 | $19 | $173 | 0.15% |
| EDWARD D SOMMER3 Filed as: EDWARD GUY JR | 260 TIMBERLANE RD TALLAHASSEE, FL 32312 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $159 | — | $159 | 0.14% |
| OMAR ENRIQUE FIGUEROA3 | 3424 DOUGLAS CT KISSIMMEE, FL 34746 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $130 | — | $130 | 0.11% |
| AZUCENA CARMEN UCTUM3 | 422 TRADITION LANE WINTER SPRINGS, FL 32708 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $88 | — | $88 | 0.08% |
| CTL SERVICES INC3 | 1140 CLIMBING ROSE DR ORLANDO, FL 32818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $86 | — | $86 | 0.07% |
| MARY SUSANNE MERKHOFER3 | 2704 SETTER PLACE TALLAHASSEE, FL 32303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | — | $72 | 0.06% |
| MARCOS MATOS3 | 4417 13TH ST ST CLOUD, FL 34769 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | — | $66 | 0.06% |
| THE MEEHAN AGENCY LLC3 | 1924 DOWN HOLLOW LN WINDERMERE, FL 34786 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $11 | $28 | 0.02% |
| DARCIPRETE AND ASSOCIATES INC3 Filed as: DARCIPRETE & ASSOCIATES INC | 12945 US HWY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.02% |
| CORCORAN & HOYT LLC3 | 3905 TAMPA RD OLDSMAR, FL 34677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $6 | $16 | 0.01% |
| MATTHEW HAND3 | 10113 KINGSHYRE WAY TAMPA, FL 33647 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $1 | $5 | 0.00% |
| CHRISTOPHER JOHNSON3 | 3605 SANDY PLAINS RD MARIETTA, GA 30066 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| FOUNDATION RISK PARTNERS CORP3 | 26 LAKE WIRE DR LAKELAND, FL 33815 | THE GUARDIAN LIFE INSURANCE COMPANY | $4K | $4K | $8K | 13.34% |
| OMS INSURANCE GROUP3 | PO BOX 2 LAKELAND, FL 33802 | SUNLIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 5.07% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 4634 GULFSTAFF DR DESTIN, FL 32541 | SUNLIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 4.93% |
| OMS INSURANCE GROUP3 | 26 LAKE WIRE DR LAKELAND, FL 33815 | BLUE CROSS BLUE SHIELD OF FLORIDA | $2K | — | $2K | 6.06% |
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 | 122 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 85 | $666K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 122 | $58K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 122 | $58K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 179 | $148K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 179 | $148K |
| Long-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 179 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.