| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OMS INSURANCE GROUP3 Filed as: OMS INSURANCE GROUP, LLC | 26 LAKE WIRE DRIVE, SUITE 1 LAKELAND, FL 33815 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $35K | $10K | $45K | 12.70% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62689 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | — | $18K | 5.18% |
| OMS OF NORTHWEST FLORIDA INC3 Filed as: OMS OF NORTHWEST FLORIDA, INC. | PO BOX 1097 SATA ROSA BEACH, FL 32459 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $704 | $9K | 6.27% |
| OMS INSURANCE GROUP3 Filed as: OMS INSURANCE GROUP, LLC | PO BOX 2 LAKELAND, FL 33802 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $84 | $5K | 3.50% |
| SHAUNET LOUISE PROKUSKI3 | PO BOX 2 LAKELAND, FL 33802 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.74% |
| JOEY MIGUES3 Filed as: JOEY GRUBBS BENEFITS, LLC | 4527 ARGYLE LANE TALLAHASSEE, FL 32309 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $206 | $120 | $326 | 0.23% |
| D'ARCIPRET AND ASSOCIATES, INC.3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $105 | $77 | $182 | 0.13% |
| REUBEN F JACOBS JR3 Filed as: REUBEN JACOBS JR. AND OTHER AGENTS | 868 LAKE JACKSON CIRCLE APOPKA, FL 32703 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $121 | — | $121 | 0.08% |
| ALLEGIANT BENEFITS & SERVICES LLC3 Filed as: ALLEGIANT BENEFITS AND SERVICES LLC | 7512 DOCTOR PHILLPS BOULEVARD ORLANDO, FL 32819 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $67 | — | $67 | 0.05% |
| OMS INSURANCE GROUP3 Filed as: OMS INSURANCE GROUP, LLC | 26 LAKE WIRE DRIVE, SUITE 1 LAKELAND, FL 33815 | AMERITAS LIFE INSURANCE CORP. | $3K | $430 | $4K | 7.43% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1715 NORTH WESTSHORE BOULEVARD SUITE 700 TAMPA, FL 33607 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 3.47% |
| OMS INSURANCE GROUP3 Filed as: OMS INSURANCE GROUP, LLC | 26 LAKE WIRE DRIVE, SUITE 1 LAKELAND, FL 33815 | DELTA DENTAL INSURANCE COMPANY | $15K | — | $15K | 65.34% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1715 NORTH WESTSHORE BOULEVARD SUITE 700 TAMPA, FL 33607 | DELTA DENTAL INSURANCE COMPANY | $8K | — | $8K | 34.66% |
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 | 668 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 669 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 696 | $24K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 800 | $48K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 663 | $498K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 663 | $498K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 663 | $498K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 663 | $355K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 800 | — |
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.