| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHIRLEY B DRAKE3 Filed as: SHIRLEY DRAKE | 14141 46TH ST.N STE 1209 CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $838 | $6K | 5.93% |
| SUE ELLEN BYERS1 | 2535 W. TENNESSEE AVE TAMPA, FL 33629 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 3.26% |
| DANA BRETT POLK3 | 10801 STARKEY RD STE 104-321 SEMINOLE, FL 33777 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 2.66% |
| WORKSITE AMERICA LLC1 | 14141 46TH ST. N STE 1209 CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $312 | $2K | 1.89% |
| PATRICIA M CARDUCCI1 | 4784 SIMCOE ST PALM HARBOT, FL 34683 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $820 | $342 | $1K | 1.13% |
| CLINTON DEWEY TOUCHTON1 | 2189 STADSKLEV RD MARIANNA, FL 32448 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $479 | $57 | $536 | 0.52% |
| REMIGIO TORRES1 | 5317 MACBETH CT. TAMPA, FL 33624 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $270 | — | $270 | 0.26% |
| TOUCHTON'S INSURANCE INC3 Filed as: TOUCHTON'S INSURANCE INC. | 2189 STADDKSLEV RD MARIANNA, FL 32448 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $174 | $28 | $202 | 0.20% |
| VIVIAN LORENA CLIFTON1 | 7349 ULMERTON ROAD LOT 275 LARGO, FL 33771 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $186 | — | $186 | 0.18% |
| DARRELL SCHWABE FINANCIAL SERVICES1 | 1377 OAKFIELD DR. BRANDON, FL 33511 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $186 | — | $186 | 0.18% |
| CORCORAN & HOYT LLC3 Filed as: CORCORAN & HOYT, LLC | 3905TAMPA RD UNIT2367 OLDSMAR FL, FL 34677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $185 | — | $185 | 0.18% |
| GINAKES & ASSOCIATES LLC3 Filed as: GINAKES & ASSOCIATES | 1020 W SPEEDWAY BLVD STE 102 DAYTONA BEACH, FL 32114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $102 | $69 | $171 | 0.17% |
| CREATIVE BENEFIT CONSULTANTS INC1 Filed as: CREATIVE BENEFIT CONSULTANTS, INC | 18214 102ND WAY S STE 100 BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $127 | — | $127 | 0.12% |
| GREGORY ALLEN BATTEN4 | 2026 DOWN HOLLOW LN WINDMERE, FL 34786 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $107 | — | $107 | 0.10% |
| ANN ASCANI1 | 102 WOODGLEN CT. FLAT ROCK, NC 28731 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $99 | — | $99 | 0.10% |
| ANGELA DUCOS1 | 407 S. NEWPORT AVE. TAMPA, FL 33606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | — | $82 | 0.08% |
| ANGEL GABRIEL VELAZQUEZ-DIAZ1 | 2022 ESTANCIA CIR STE 6 KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 0.04% |
| HEIDI S WEISHAUPT1 Filed as: HEIDI S. WEISHAUPT | 4520 29TH AVE CIR E PALMETTO, FL 34221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 0.04% |
| ANDREA BROWNING3 | 145 19TH AVE SE ST. PETERSBURG, FL 33705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.02% |
| TILTON ASSOCIATES INC3 Filed as: TILTON ASSOCATES, INC. | 4141N W 10 ST COCONUT CREEK, FL 33066 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.02% |
| STEVEN VERMETTE INC3 Filed as: STEVEN VERMETTE | 731 CYPRESS POINTE LN HAYESVILLLE, NC 28904 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.01% |
| CHRISTINA MARIE KONCZESKI3 | 15805 GLENARM DR TAMPA, FL 33618 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.01% |
| JOHN A HAWLEY Filed as: JOHN R PAPA | 4750 STONEVIEW CR. OLDSMAR, FL 34677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.01% |
| RONNIE BORAKS INSURANCE SOLUTIONS I3 Filed as: RONNIE BORAKS INSURANCE SOLUTIONS | 6760 MOLAKA CIR BOYNTON BEACH, FL 33437 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| THE MEEHAN AGENCY LLC3 Filed as: THE MEEHAN AGENCY, LLC | 1924 DOWN HOLLOW LN WINDERMERE, FL 34786 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.00% |
| CHOICE BENEFIT SOLUTIONS INC1 Filed as: CHOICE BENEFIT SOLUTIONS, INC | 525 CAPRI BLVD TREASURE ISLAND, FL 33706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| CITI SERVICES, INC1 | 1140 CLIMBING ROSE DR. ORLANDO, FL 32818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
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 | 375 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 375 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 99 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 99 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.