| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS CONSULTING GROUP3 Filed as: BENEFITS CONSULTING INC | 15610 WALDEN AVENUE TAMPA, FL 33618 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 14.28% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANC | 6750 NORTH ANDREWS AVENUE SUITE 125 FT LAUDERDALE, FL 33309 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 5.49% |
| BENEFITS CONSULTING GROUP3 Filed as: BENEFITS CONSULTING INC | 15610 WALDEN AVENUE TAMPA, FL 33618 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 14.22% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANC | 6750 NORTH ANDREWS AVENUE SUITE 125 FT LAUDERDALE, FL 33309 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 5.47% |
| ANDERSON BENEFIT SOLUTIONS3 | 3821 LAKE PADGETT DRIVE LAND O LAKES, FL 34639 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 11.73% |
| BENEFITS CONSULTING GROUP3 Filed as: BENEFITS CONSULTING INC | 15610 WALDEN AVENUE TAMPA, FL 33618 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 7.26% |
| CHOICE BENEFITS SOLUTIONS LLC3 | 11399 81ST PLACE SEMINOLE, FL 33772 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $495 | $292 | $787 | 2.47% |
| HEIL BUSINESS SOLUTIONS CORPORATION3 | 3909 SHORESIDE CIRCLE TAMPA, FL 33624 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $473 | $112 | $585 | 1.83% |
| JAQUELYN LORETTA CARTER3 | 4416 LARKFIELD LANE TAMPA, FL 33624 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $370 | $18 | $388 | 1.22% |
| WILLIAM E GECEWICZ3 | 11113 LAKESIDE VISTA DRIVE RIVERVIEW, FL 33569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | $12 | $69 | 0.22% |
| JOHN ANTHONY CARREIRO III3 Filed as: JOHN ANTHONY CARREIRO LII | 11750 CAPRI CIRCLE SOUTH APARTMENT 3 TREASURE ISLAND, FL 33706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.09% |
| TRILOGY BENEFITS CONSULTING LLC3 | 11635 GROVE STREET SEMINOLE, FL 33772 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| BENEFITS CONSULTING GROUP3 Filed as: BENEFITS CONSULTING INC | 15610 WALDEN AVENUE TAMPA, FL 33618 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 14.29% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANC | 6750 NORTH ANDREWS AVENUE SUITE 125 FT LAUDERDALE, FL 33309 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.50% |
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 | 222 | 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) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 215 | $168K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 119 | $31K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 215 | $89K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 215 | $200K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.