| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS CONSULTING GROUP3 Filed as: BENEFITS CONSULTING INC | 15610 WALDEN AVENUE TAMPA, FL 33618 | HARTFORD LIFE AND ACCIDENT | $36K | $12K | $49K | 20.02% |
| ANDERSON BENEFIT SOLUTIONS3 | 3821 LAKE PADGETT DRIVE LAND O LAKES, FL 34639 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $341 | $2K | 7.03% |
| BENEFITS CONSULTING GROUP3 Filed as: BENEFITS CONSULTING INC | 15610 WALDEN AVENUE TAMPA, FL 33618 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 6.47% |
| CHOICE BENEFITS SOLUTIONS LLC3 | 11399 81ST PLACE SEMINOLE, FL 33772 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $436 | $338 | $774 | 2.18% |
| JAQUELYN LORETTA CARTER3 | 4416 LARKFIELD LANE TAMPA, FL 33624 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $767 | — | $767 | 2.16% |
| HEIL BUSINESS SOLUTIONS CORPORATION3 | 3909 SHORESIDE CIRCLE TAMPA, FL 33624 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $428 | $28 | $456 | 1.29% |
| WORKSITE AMERICA LLC3 | 14141 46TH STREET NORTH SUITE 1209 CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $93 | $64 | $157 | 0.44% |
| WILLIAM E GECEWICZ3 | 11113 LAKESIDE VISTA DRIVE RIVERVIEW, FL 33569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71 | $11 | $82 | 0.23% |
| JOHN ANTHONY CARREIRO III3 Filed as: JOHN ANTHONY CARREIRO | 11750 CAPRI CIRCLE SOUTH APARTMENT 3 TREASURE ISLAND, FL 33706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | $5 | $60 | 0.17% |
| TRILOGY BENEFITS CONSULTING LLC3 | 11635 GROVE STREET SEMINOLE, FL 33772 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
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 | 233 | 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) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 244 | $243K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 244 | $243K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 244 | $243K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 244 | $278K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.