| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OMS INSURANCE GROUP3 | 26 LAKE WIRE DR LAKELAND, FL 33815 | HEALTH OPTIONS | $19K | — | $19K | 3.68% |
| FRP CORP DBA ACENTRIA OMS3 | 26 LAKE WIRE DR LAKELAND, FL 33815 | HEALTH OPTIONS | $12K | — | $12K | 2.32% |
| FOUNDATION RISK PARTNERS CORP3 | 1540 CORNERSTONE BLVD DAYTONA BEACH, FL 32117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16K | $767 | $17K | 13.47% |
| CHOICE BENEFITS SOLUTIONS LLC3 | 6441 3RD PALM POINTE ST ST PETERSBURG BEACH, FL 33706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 3.09% |
| ANGEL GABRIEL VELAZQUEZ-DIAZ3 Filed as: ANGEL VELAZQUEZ DIAZ | 2022 ESTANCIA CIR KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $509 | $2K | 1.71% |
| JENNIFER LYNN WIMBERLEY3 Filed as: JENNIFER WIMBERLY | 3557 GEORGIA HWY 338 CADWELL, GA 31009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2 | $2K | 1.59% |
| FRANCHESKA FERNANDEZ DIAZ3 Filed as: FRANCHESKA DIAZ | 2030 ESTANCIA CIR KISSIMMEE, FL 34744 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $72 | $1K | 1.10% |
| HEIL BUSINESS SOLUTIONS CORPORATION3 Filed as: HEIL BUSINESS SOLUTIONTS CORPORATIO | 3909 SHORESIDE CIRCLE TAMPA, FL 33624 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $790 | $446 | $1K | 0.97% |
| SAMUEL MALAVE3 | 304 DUNDEE RD DUNDEE, FL 33838 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.94% |
| NICOLE VEDDER3 | 3370 LAKE RUN DR TALLAHASSEE, FL 32309 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $700 | $8 | $708 | 0.55% |
| OMS OF NORTHWEST FLORIDA INC3 | PO BOX 1097 SANTA ROSA BEACH, FL 32459 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $605 | $12 | $617 | 0.48% |
| RICARDO SORIANO3 | 1648 WAKEFIELD DR BRANDON, FL 33511 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $469 | — | $469 | 0.37% |
| THE MEEHAN AGENCY LLC3 | 1924 DOWN HOLLOW LN WINDERMERE, FL 34786 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $196 | $233 | $429 | 0.34% |
| JOEY GRUBBS BENEFITS LLC3 | 525 TAYLOR RD MONTICELLO, FL 32344 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $376 | $16 | $392 | 0.31% |
| CTL SERVICES INC3 | 1140 CLIMBING ROSE DR ORLANDO, FL 32818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $193 | $74 | $267 | 0.21% |
| HOWARD L WEATHERS3 Filed as: HOWARD WEATHERS | 1119 ROSEWOOD DR TALLAHASSEE, FL 32301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $156 | — | $156 | 0.12% |
| EDWARD D SOMMER3 Filed as: EDWARD GUY JR | 716 RED FERN RD TALLAHASSEE, FL 32308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $120 | — | $120 | 0.09% |
| OMAR ENRIQUE FIGUEROA3 Filed as: OMAR FIGUEROA | 3424 DOUGLAS CT KISSIMMEE, FL 34746 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $100 | — | $100 | 0.08% |
| CORCORAN & HOYT LLC3 | 3905 TAMPA ROAD OLDSMAR, FL 34677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | $33 | $99 | 0.08% |
| JOHN ANTHONY CARREIRO III3 Filed as: JOHN CARRIEIRO III | 6441 3RD PALM POINT ST PETE BEACH, FL 33706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $60 | $36 | $96 | 0.08% |
| MARGARITA MACIAS-CHARBONIER3 Filed as: MARGARITA MACIAS CHARBONIER | 3649 LANA CIRCLE TALLAHASSEE, FL 32308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $60 | — | $60 | 0.05% |
| MARY SUSANNE MERKHOFER3 Filed as: MARY MERKHOFER | 2704 SETTER PLACE TALLAHASSEE, FL 32303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | — | $46 | 0.04% |
| WORKSITE AMERICA LLC3 | 14141 46TH ST N CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $13 | $36 | 0.03% |
| SHIRLEY B DRAKE3 Filed as: SHIRLEY DRAKE | 14141 46TH ST N CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $13 | $36 | 0.03% |
| ENROLLMENT ALLIANCE LLC3 | 1302 N 19TH ST STE 150 TAMPA, FL 33605 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $13 | $23 | 0.02% |
| DARCIPRETE AND ASSOCIATES INC3 Filed as: DARCIPRETE & ASSOCIATES INC | 12945 US HWY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.01% |
| JAQUELYN LORETTA CARTER3 Filed as: JAQUELYN CARTER | 4416 LARKFIELD LN TAMPA, FL 33624 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| FOUNDATION RISK PARTNERS CORP3 | 26 LAKE WIRE DR LAKELAND, FL 33815 | GUARDIAN | $3K | $4K | $8K | 15.06% |
| OMS INSURANCE GROUP3 Filed as: OMS INSURANCE GROUP LLC | 26 LAKE WIRE DR LAKELAND, FL 33815 | BLUE CROSS BLUE SHIELD OF FLORIDA | $1K | — | $1K | 4.11% |
| FRP CORP DBA ACENTRIA OMS3 | 26 LAKE WIRE DR LAKELAND, FL 33815 | BLUE CROSS BLUE SHIELD OF FLORIDA | $581 | — | $581 | 1.89% |
| FOUNDATION RISK PARTNERS CORP3 | 4634 GULFSTARR DR DESTIN, FL 32541 | SUNLIFE ASSURANCE COMPANY OF CANADA | $3K | $638 | $3K | 12.28% |
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 | 128 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 67 | $553K |
| Dental | GUARDIAN | 95 | $50K |
| Vision | GUARDIAN | 95 | $50K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 190 | $156K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 190 | $156K |
| Long-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 190 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.