| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABC INSURANCE SERVICES, INC3 | 440 FIRST STREET, NW SUITE 200 WASHINGTON DC, DC 20001 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $76K | — | $76K | 16.14% |
| ABC INSURANCE SERVICES, INC3 | 440 FIRST STREET, NW SUITE 200 WASHINGTON DC, DC 20001 | UNITED HEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 10.90% |
| ASSOCIATED BUILDERS & CONTRACTORS3 Filed as: ASSOCIATED BUILDERS AND CONTRACTORS | 440 FIRST STREET, NW SUITE 200 WASHINGTON DC, DC 20001 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 14.25% |
| ANDERSON BENEFIT SOLUTIONS3 | 3821 LAKE PADGETT DRIVE LAND O LAKES, FL 34639 | COLONIAL LIFE & ACCIDENT INSRUANCE COMPANY | $538 | $86 | $624 | 8.65% |
| RENA BUSER3 | 1517 BANNER ELK STREET VALRICO, FL 33594 | COLONIAL LIFE & ACCIDENT INSRUANCE COMPANY | $283 | — | $283 | 3.92% |
| CHOICE BENEFITS SOLUTIONS LLC3 | 6441 3RD PALM POINTE STREET ST PETERSBURG BEACH, FL 33706 | COLONIAL LIFE & ACCIDENT INSRUANCE COMPANY | $93 | $86 | $179 | 2.48% |
| HEIL BUSINESS SOLUTIONS CORPORATION3 Filed as: HEIL BUSINESS SOLUTIONS CORP | 3909 SHORESIDE CIRCLE TAMPA, FL 33624 | COLONIAL LIFE & ACCIDENT INSRUANCE COMPANY | $121 | $39 | $160 | 2.22% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURNACE SERVICES LLC | 1715 N WESTSHORE BLVD TAMPA, FL 33607 | COLONIAL LIFE & ACCIDENT INSRUANCE COMPANY | $38 | — | $38 | 0.53% |
| RONALD SADOFSKY3 | 7550 NOTRE DAME DRIVE NEWPORT RICHEY, FL 34653 | COLONIAL LIFE & ACCIDENT INSRUANCE COMPANY | $18 | — | $18 | 0.25% |
| TRILOGY BENEFITS CONSULTING LLC3 | 11635 GROVE STREET SEMINOLE, FL 33772 | COLONIAL LIFE & ACCIDENT INSRUANCE COMPANY | $11 | — | $11 | 0.15% |
| STEVEN VERMETTE INC3 | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE & ACCIDENT INSRUANCE COMPANY | $8 | — | $8 | 0.11% |
| KAREN PICCININI3 | 425 W COLONIAL DRIVE ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSRUANCE COMPANY | $6 | — | $6 | 0.08% |
| FRANK M GAMMON3 | 10604 CRESCENT LAKE COURT CLERMONT, FL 34711 | COLONIAL LIFE & ACCIDENT INSRUANCE COMPANY | $6 | — | $6 | 0.08% |
| CHOICE BENEFIT SOLUTIONS INC3 Filed as: CHOICE BENEFIT SOLUTIONS INC. | 525 CAPRI BLVD TREASURE ISLAND, FL 33706 | COLONIAL LIFE & ACCIDENT INSRUANCE COMPANY | $5 | — | $5 | 0.07% |
| ANDERSON BENEFIT SOLUTIONS3 | 3821 LAKE PADGETTDRIVE LAND O LAKES, FL 34639 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $201 | $13 | $214 | 6.01% |
| LUCAS GARTENMAYER3 | 39051 12TH AVE ZEPHYRHILLS, FL 33542 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | $4 | $56 | 1.57% |
| HEIL BUSINESS SOLUTIONS CORPORATION3 Filed as: HEIL BUSINESS SOLUTIONS CORP | 3909 SHORESIDE CIRCLE TAMPA, FL 33624 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | $8 | $50 | 1.40% |
| CHOICE BENEFITS SOLUTIONS LLC3 | 6441 3RD PALM POINTE STREET ST PETERSBURG BEACH, FL 33706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | $15 | $44 | 1.24% |
| TRILOGY BENEFITS CONSULTING LLC3 | 11635 GROVE STREET SEMINOLE, FL 33772 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.31% |
| RUBEN D PEREZ3 | 6352 ALCORN AVE DALLAS, TX 75217 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.25% |
| JOHN ANTHONY CARREIRO III3 | 6441 3RD PALM POINT ST PETE BEACH, FL 33706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $2 | $6 | 0.17% |
| KAREN PICCININI3 | 425 W COLONIAL DRIVE ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.14% |
| FRANK M GAMMON3 | 10604 CRESCENT LAKE COURT CLERMONT, FL 34711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.14% |
| STEVEN VERMETTE INC3 | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.06% |
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 | 220 | 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) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 268 | $484K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 268 | $473K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 268 | $473K |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 116 | $64K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSRUANCE COMPANY | 6 | $11K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 16 | $18K |
| Other(3 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 116 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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.