| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC -MIAMI | 9850 NW 41ST ST, SUITE 100 DORAL, FL 33178 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $32K | $36K | 4.45% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST ST, SUITE 100 DORAL, FL 33178 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $4K | $4K | 0.45% |
| SHIRLEY B DRAKE3 | 14141 46TH STREET N CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $4K | 5.80% |
| SUE ELLEN BYERS3 | 2535 W. TENNESSEE AVENUE TAMPA, FL 33629 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 3.11% |
| WORKSITE BENEFITS SOLUTION LLC3 Filed as: WORKSITE AMERICA LLC | 14141 46TH STREET NORTH CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $782 | $608 | $1K | 1.95% |
| DEBRA K VERMEER3 | 3193 SANDY RIDGE DRIVE CLEARWATER, FL 33761 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $789 | $41 | $830 | 1.16% |
| REMIGIO TORRES3 | 5317 MACBETH CT TAMPA, FL 33624 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $440 | $101 | $541 | 0.76% |
| HEIDI S WEISHAUPT3 | 4520 29TH AVE CIR E PALMETTO, FL 34221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $436 | $31 | $467 | 0.65% |
| JARRET THOMAS HONAHAN3 | 7 HARBOR OAKS CIRCLE SAFETY HARBOR, FL 34695 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $401 | $26 | $427 | 0.60% |
| DARRELL D SCHWABE3 Filed as: DARRELL SCHWABE FINANCIAL SVS | P O BOX 2685 BRANDON, FL 33511 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $374 | — | $374 | 0.52% |
| GREGORY ALLEN BATTEN3 | 2619 ELWICK ST. OCOEE, FL 34761 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $314 | $47 | $361 | 0.51% |
| ANGEL GABRIEL VELAZQUEZ-DIAZ3 | 2022 ESTANCIA CIR KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $295 | $66 | $361 | 0.51% |
| MARK F BARRETT LLC3 | 14141 46TH STREET NORTH CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $215 | $106 | $321 | 0.45% |
| ANN ASCANI3 | 2809 WINDING TRAIL DR VALRICO, FL 33596 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $269 | — | $269 | 0.38% |
| ANGELA DUCOS3 | 407 S NEWPORT AVE TAMPA, FL 33606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $247 | — | $247 | 0.35% |
| CREATIVE BENEFIT CONSULTANTS INC3 | 18214 102ND WAY S BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $229 | — | $229 | 0.32% |
| BARBARA C POWELL3 | 8 GLENCOE PL DUNEDIN, FL 34698 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $120 | — | $120 | 0.17% |
| ANDREA BROWNING3 | 145 19TH AVE SE ST PETERSBURG, FL 33705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | — | $67 | 0.09% |
| KAREN PICCININI3 | 425 W COLONIAL DR ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $60 | $2 | $62 | 0.09% |
| EMPLOYEE BENEFITS GROUP OF FLORIDA3 | 13750 W. COLONIAL DRIVE WINTER GARDEN, FL 34787 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $21 | $43 | 0.06% |
| STEVEN VERMETTE INC3 | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 0.05% |
| CHRISTINA MARIE KONCZESKI3 | 648 SOUTH STREET APT 2 BOSTON, MA 02131 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.05% |
| COLON INSURANCE AGENCY LLC3 | 722 PATRICK ST. KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $3 | $25 | 0.04% |
| NORMA ALICIA LAPPOT3 | 722 PATRICK ST. SUITE 101 KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.03% |
| CHRISTINA L SUTTON3 | 14141 46TH STREET NORTH CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $5 | $18 | 0.03% |
| TILTON ASSOCIATES INC3 | 4141 N W 10 ST COCONUT CREEK, FL 33066 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.02% |
| HEATHER PLANKEY3 | 8390 139TH LANE SEMINOLE, FL 33776 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.02% |
| SUSANNE PAPA3 | 4750 STONEVIEW CIRCLE OLD SMAR, FL 34677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.02% |
| STALTARE BENEFITS INC3 | 700 E ATLANTIC BLVD POMPANO BEACH, FL 33060 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| RONNIE BORAKS INSURANCE SOLUTIONS I3 | 10695 SAN BERNARDINO WAY BOCA RATON, FL 33428 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| CHOICE BENEFITS SOLUTIONS LLC3 Filed as: CHOICE BENEFITS SOLUTIONS INC | 525 CAPRI BLVD TREASURE ISLAND, FL 33706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| TABBITHA ROSE3 | 142 BUSWELL AVE NE PALM BAY, FL 32907 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| CTL SERVICES INC3 | 1140 CLIMBING ROSE DR ORLANDO, FL 32818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC - MIAMI | 9850 NW 41ST ST, SUITE 100 DORAL, FL 33178 | UNITEDHEALTHCARE INSURANCE COMPANY | $730 | — | $730 | 9.15% |
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 | 225 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 225 | $814K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 225 | $814K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 206 | $8K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 79 | $71K |
| Long-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 79 | $71K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 206 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.