| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACENTRIA OMS3 | 26 LAKE WIRE DR LAKELAND, FL 33815 | BLUE CORSS BLUE SHIELD OF FLORIDA | $29K | $0 | $29K | 6.00% |
| ACENTRIA OMS3 | 26 LAKE WIRE DR LAKELAND, FL 33815 | HEALTH OPTIONS | $11K | $0 | $11K | 6.00% |
| FOUNDATION RISK PARTNERS CORP3 | 1540 CORNERSTONE BLVD DAYTONA BEACH, FL 32117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14K | $605 | $15K | 11.48% |
| CHOICE BENEFITS SOLUTIONS LLC3 | PO BOX 41495 ST PETERSBURG, FL 33743 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $1K | $3K | 2.14% |
| JOHN ANTHONY CARREIRO III3 | 11750 CAPRI CIR S TREASURE ISLAND, FL 33706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $456 | $2K | 1.52% |
| ANGEL GABRIEL VELAZQUEZ-DIAZ3 Filed as: ANGEL GABRIEL VELAZQUEZ DIAZ | 2022 ESTANCIA CIR KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $448 | $2K | 1.41% |
| JENNIFER WIMBERLEY3 | PO BOX 14178 EAST DUBLIN, GA 31027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.33% |
| HEIL BUSINESS SOLUTIONS CORPORATION3 | 3909 SHORESIDE CIRCLE TAMPA, FL 33624 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $671 | $254 | $925 | 0.73% |
| SAMUEL MALAVE3 | 304 DUNDEE RD DUNDEE, FL 33838 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $788 | — | $788 | 0.62% |
| NICOLE TOWNSEND VEDDER3 | 3370 LAKE RUN DR TALLAHASSEE, FL 32309 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $563 | — | $563 | 0.44% |
| OMS OF NORTHWEST FLORIDA INC3 Filed as: OMS OF NORTHWEST FL | PO BOX 1097 SANTA ROSA BEACH, FL 32459 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $348 | — | $348 | 0.28% |
| JOEY GRUBBS BENEFITS LLC3 | 525 TAYLOR RD MONTICELLO, FL 32344 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $297 | — | $297 | 0.23% |
| JAQUELYN LOREETA CARTER3 | 4416 LARKFIELD LANE TAMPA, FL 33624 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $219 | $22 | $241 | 0.19% |
| CTL SERVICESINC3 | 1140 CLIMBING ROSE DR ORLANDO, FL 32818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $152 | $39 | $191 | 0.15% |
| FRANCHESKA FERNANDEZ DIAZ3 | 2030 ESTANCIA CIR KISSIMMEE, FL 34744 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $135 | $14 | $149 | 0.12% |
| EDWARD D SOMMER3 Filed as: EDWARD GUY JR | 716 RED FERN RD TALLAHASSEE, FL 32308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $108 | — | $108 | 0.09% |
| ROANLD WIMBERLY3 | PO BOX 1097 SANTA ROSA BEACH, FL 32459 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $107 | — | $107 | 0.08% |
| THE MEEHAN AGENCY LLC3 | 1924 DOWN HOLLOW LN WINDERMERE, FL 34786 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | $41 | $106 | 0.08% |
| CORCORAN & HOYT LLC3 Filed as: CORCORAN AND HOYT LLC | 3905 TAMPA RD OLDSMAR, FL 34677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | $31 | $83 | 0.07% |
| OMAR ENRIQUE FIGUEROA3 | 3424 DOUGLAS CT KISSIMMEE, FL 34746 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | — | $67 | 0.05% |
| MARGARITA MACIAS-CHARBONIER3 Filed as: MARGARITA MACIAS CHARBONIER | 3649 LANA CIRCLE TALLAHASSEE, FL 32308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | — | $47 | 0.04% |
| MARY SUSANNE MERKHOFER3 | 2704 SETTER PLANCE TALLAHASSEE, FL 32303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.03% |
| EDIANNETTE ROSADOFONSECA3 | 842 COUNTRY CROSSING CT KISSIMMEE, FL 34744 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | $1 | $31 | 0.02% |
| DARCIPRETE AND ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.01% |
| RICARDO SORIANO3 | 1648 WAKELFIELD DR BRANDON, FL 33511 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.01% |
| WORKSITE AMERICA LLC3 | 14141 46TH ST N CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.00% |
| SHIRLEY B DRAKE3 Filed as: SHIRLEY DRAKE | 14141 46TH ST N CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| FOUNDATION RISK PARTNERS CORP3 | — | GUARDIAN | $3K | $2K | $5K | 11.25% |
| HARRISON-DAVIS INC3 Filed as: HARRISON DAVIS INC | — | GUARDIAN | $32 | — | $32 | 0.07% |
| DAVIS II COMPANIES LLC3 | — | GUARDIAN | $16 | — | $16 | 0.03% |
| FOUNDATION RISK PARTNERS CORP3 | 4634 GULFSTARR DR DESTIN, FL 32541 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $0 | $3K | 10.00% |
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 | 165 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CORSS BLUE SHIELD OF FLORIDA | 38 | $658K |
| Dental | GUARDIAN | 89 | $46K |
| Vision | GUARDIAN | 89 | $46K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 165 | $154K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 165 | $154K |
| Long-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 165 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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.