| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS CONSULING INC3 | 15610 WALDEN AVE TAMPA, FL 33618 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $99K | — | $99K | 13.42% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $33K | $33K | 4.46% |
| BENEFITS CONSULTING GROUP3 Filed as: BENEFITS CONSULTING INC | 15610 WALDEN AVE TAMPA, FL 33618 | PRINCIPAL LIFE INSURANCE COMANY | $24K | — | $24K | 13.01% |
| HEIL BUSINESS SOLUTIONS CORPORATION3 | 2150 49TH STREET N, SUITE F ST PETERSBURG, FL 33710 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $2K | $8K | 30.89% |
| ANDERSON BENEFIT SOLUTIONS3 | 3821 LAKE PADGETT DR LAND O LAKES, FL 34639 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 15.31% |
| CHOICE BENEFITS SOLUTIONS LLC3 | 6441 3RD PALM POINTE ST ST PETERSBURG BEACH, FL 33706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $483 | $592 | $1K | 4.12% |
| CHOICE BENEFIT SOLUTIONS INC3 | 525 CAPRI BLVD TREASURE ISLAND, FL 33706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $483 | $592 | $1K | 4.12% |
| BENEFITS CONSULTING GROUP3 Filed as: BENEFITS CONSULTING INC | 15610 WALDEN AVE TAMPA, FL 33618 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $290 | — | $290 | 1.11% |
| TAMARA ANN BUSCHER3 Filed as: TAMARA GAIL COPELAND | PO BOX 243 LAND OLAKES, FL 34639 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | — | $49 | 0.19% |
| 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 | 143 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 143 | $734K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 143 | $734K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 143 | $734K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMANY | 156 | $185K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMANY | 156 | $185K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMANY | 156 | $185K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 29 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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.