| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS CONSULTING GROUP3 Filed as: BENEFITS CONSULTING INC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $76K | — | $76K | 16.62% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS (NJ) | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $19K | $25K | 5.53% |
| BENEFITS CONSULTING GROUP3 Filed as: BENEFITS CONSULTING INC | 15610 WALDEN AVE TAMPA, FL 33618 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | $1K | $15K | 10.08% |
| HEIL BUSINESS SOLUTIONS CORPORATION3 | 2150 49TH STREET N SUITE F ST PETERSBURG, FL 33710 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $665 | $83 | $748 | 10.98% |
| BENEFITS CONSULTING GROUP3 Filed as: BENEFITS CONSULTING INC | 15610 WALDEN AVE TAMPA, FL 33618 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $266 | — | $266 | 3.91% |
| ANDERSON BENEFIT SOLUTIONS3 | 3821 LAKE PADGETT DR LAND O LAKES, FL 34639 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $172 | $34 | $206 | 3.02% |
| TAMARA ANN BUSCHER3 Filed as: TAMARA GAIL COPELAND | PO BOX 243 LAND O LAKES, FL 34639 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $104 | $10 | $114 | 1.67% |
| CHOICE BENEFITS SOLUTIONS LLC3 | 525 CAPRI BLVD TREASURE ISLAND, FL 33706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | $30 | $80 | 1.17% |
| CHOICE BENEFIT SOLUTIONS INC3 | 525 CAPRI BLVD TREASURE ISLAND, FL 33706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.06% |
| TRIOLOGY BENEFITS CONSULTING LLC3 | 5908 HAMMOCK WOODS DR ODESSA, FL 33556 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 123 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 107 | $459K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 165 | $611K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 107 | $459K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 165 | $152K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 165 | $152K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 165 | $152K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 9 | $7K |
| 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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.