| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS CONSULING INC3 | 15610 WALDEN AVE TAMPA, FL 33618 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $95K | — | $95K | 15.48% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS (NJ) | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $31K | — | $31K | 5.14% |
| BENEFITS CONSULTING GROUP3 Filed as: BENEFITS CONSULTING INC | 15610 WALDEN AVE TAMPA, FL 33618 | PRINCIPAL LIFE INSURANCE COMANY | $23K | — | $23K | 13.01% |
| ANDERSON BENEFIT SOLUTIONS3 | 3821 LAKE PADGETT DR LAND O LAKES, FL 34639 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | 30.40% |
| BENEFITS CONSULTING GROUP3 Filed as: BENEFITS CONSULTING INC | 15610 WALDEN AVE TAMPA, FL 33618 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 14.85% |
| CHOICE BENEFITS SOLUTIONS LLC3 | 6441 3RD PALM POINTE ST ST PETERSBURG BEACH, FL 33706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $602 | $2K | $2K | 10.96% |
| HEIL BUSINESS SOLUTIONS CORPORATION3 | 2150 49TH STREET N, SUITE F ST PETERSBURG, FL 33710 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $601 | $515 | $1K | 5.62% |
| TAMARA ANN BUSCHER3 Filed as: TAMARA GAIL COPELAND | PO BOX 243 LAND OLAKES, FL 34639 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 0.22% |
| CHOICE BENEFIT SOLUTIONS INC3 | 525 CAPRI BLVD TREASURE ISLAND, FL 33706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.02% |
| TRILOGY BENEFITS CONSULTING LLC3 | 5908 HAMMOCK WOODS DRIVE ODESSA, FL 33556 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 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 | 238 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 131 | $612K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 238 | $792K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 131 | $612K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMANY | 238 | $180K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMANY | 238 | $180K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMANY | 238 | $180K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 25 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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."
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.