| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PHILLIP C. SCHERMERHOM3 | 4010 WEST STATE ST TAMPA, FL 336091264 | HEALTH OPTIONS, INC. | $48K | — | $48K | 5.00% |
| PHILLIP C. SCHERMERHOM3 | 4010 WEST STATE STREET TAMPA, FL 336091264 | BLUE CROSS BLUE SHIELD OF FLORIDA | $33K | — | $33K | 5.00% |
| 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 BYERS3 | 2535 W TENNESSEE AVE TAMPA, FL 33629 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 4.77% |
| DANA BRETT POLK3 | 10801 STARKEY RD STE 104-321 SEMINOLE, FL 33777 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 2.66% |
| WORKSITE AMERICA LLC3 | 14141 46TH ST.N STE 1209 CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $312 | $2K | 1.89% |
| PATRICIA M CARDUCCI3 | 4784 SIMCOE ST PALM HARBOR, FL 34683 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $820 | $342 | $1K | 1.13% |
| CLINTON DEWEY TOUCHTON3 | 2189 STADSKLEV RD MARIANNA, FL 32448 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $479 | $57 | $536 | 0.52% |
| REMIGIO TORRES3 | 5317 MACBETH CT. TAMPA, FL 33624 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $270 | — | $270 | 0.26% |
| TOUCHTON'S INSURANCE INC3 | 2189 STADSKLEV RD MARIANNA, FL 32448 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $174 | $28 | $202 | 0.20% |
| DARRELL SCHWABE FINANCIAL SERVICES3 | 1377 OAKFIELD DR. BRANDON, FL 33511 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $186 | — | $186 | 0.18% |
| VIVIAN LORENA CLIFTON3 | 7349 ULMERTON ROAD LOT 275 LARGO, FL 33771 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $186 | — | $186 | 0.18% |
| CORCORAN & HOYT LLC3 | 3905 TAMPA RD UNIT 2367 OLDSMAR, FL 34677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $185 | — | $185 | 0.18% |
| GINAKES & ASSOCIATES LLC3 | 1020 W SPEEDWAY BLVD STE 102 DAYTONA BEACH, FL 32114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $102 | $69 | $171 | 0.17% |
| CREATIVE BENEFIT CONSULTANTS INC3 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 BATTEN3 | 2026 DOWN HOLLOW LN WINDERMERE, FL 34786 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $107 | — | $107 | 0.10% |
| ANN ASCANI3 | 102 WOODGLAN CT FLAT ROCK, NC 28731 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $99 | — | $99 | 0.10% |
| ANGELA DUCOS3 | 407 S. NEWPORT AVE. TAMPA, NC 33606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | — | $82 | 0.08% |
| ANGEL GABRIEL VELAZQUEZ-DIAZ3 | 2022 ESTANCIA CIR STE 6 KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 0.04% |
| HEIDI S WEISHAUPT3 | 4520 29TH AVENUE 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 | — | $18 | 0.02% |
| TILTON ASSOCIATES INC3 | 4141 N W 10 ST COCONUT CREEK, FL 33066 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.02% |
| STEVEN VERMETTE INC3 | 731 CYPRESS POINTE LANE HAYESVILLE, 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 | — | $12 | 0.01% |
| JOHN A HAWLEY3 Filed as: JOHN R PAPA | 4750 STONEVIEW CR. OLDSMAR, FL 34677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| RONNIE BORAKS INSURANCE SOLUTIONS I3 | 6760 MOLAKAI CIR BOYNTON BEACH, FL 33437 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| THE MEEHAN AGENCY LLC3 | 1924 DOWN HOLLOW LN WINDERMERE, FL 34786 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $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% |
| CTL SERVICES INC3 | 1140 CLIMBING ROSE DR ORLANDO, FL 32818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ARISTO INSURANCE GROUP LLC3 Filed as: ARISTO INSURANCE GROUP | PO BOX 6970 BRANDON, FL 335086017 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 9.76% |
| ARISTO INSURANCE GROUP LLC3 Filed as: ARISTO INSURANCE GROUP | PO BOX 6970 BRANDON, FL 335086017 | SAFEGUARDS HEALTH PLANS, INC., A FLORIDA CORPORATION | $1K | — | $1K | 12.49% |
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 | 195 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 129 | $1.6M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 399 | $89K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 399 | $79K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 399 | $79K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 399 | $182K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 399 | — |
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.