| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED BUILDERS & CONTRACTORS3 | 440 FIRST STREET, NW SUITE 200 WASHINGTON DC, DC 20001 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $70K | — | $70K | 13.86% |
| ASSOCIATED BUILDERS & CONTRACTORS3 | 440 FIRST STREET, NW SUITE 200 WASHINGTON DC, DC 20001 | UNITED HEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 14.85% |
| ANDERSON BENEFIT SOLUTIONS3 | 3821 LAKE PADGETT DRIVE LAND O LAKES, FL 34639 | COLONIAL LIFE & ACCIDENT INSRUANCE COMPANY | $270 | $19 | $289 | 3.99% |
| HEIL BUSINESS SOLUTIONS CORPORATION3 Filed as: HEIL BUSINESS SOLUTIONS CORP | 3909 SHORESIDE CIRCLE TAMPA, FL 33624 | COLONIAL LIFE & ACCIDENT INSRUANCE COMPANY | $74 | $2 | $76 | 1.05% |
| CHOICE BENEFITS SOLUTIONS LLC3 | PO BOX 41495 ST PETERSBURG BEACH, FL 33743 | COLONIAL LIFE & ACCIDENT INSRUANCE COMPANY | $52 | $6 | $58 | 0.80% |
| USI INSURANCE SERVICES LLC3 | 1715 N WESTSHORE BLVD TAMPA, FL 33607 | COLONIAL LIFE & ACCIDENT INSRUANCE COMPANY | $41 | — | $41 | 0.57% |
| RENA BUSER3 | 1517 BANNER ELK STREET VALRICO, FL 33594 | COLONIAL LIFE & ACCIDENT INSRUANCE COMPANY | $23 | — | $23 | 0.32% |
| RONALD SADOFSKY3 | 14887 SEA MYRTLE LANE HUDSON, FL 34667 | COLONIAL LIFE & ACCIDENT INSRUANCE COMPANY | $20 | — | $20 | 0.28% |
| TRILOGY BENEFITS CONSULTING LLC3 | 11635 GROVE STREET SEMINOLE, FL 33772 | COLONIAL LIFE & ACCIDENT INSRUANCE COMPANY | $12 | — | $12 | 0.17% |
| STEVEN VERMETTE INC3 | 731 CYPRESS POINTE LANE HAYESVILLE, NC 28904 | COLONIAL LIFE & ACCIDENT INSRUANCE COMPANY | $8 | — | $8 | 0.11% |
| FRANK M GAMMON3 | 10604 CRESCENT LAKE COURT CLERMONT, FL 34711 | COLONIAL LIFE & ACCIDENT INSRUANCE COMPANY | $7 | — | $7 | 0.10% |
| KAREN PICCININI3 | 6609 THE LANDINGS DRIVE ORLANDO, FL 32812 | 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 | $357 | $115 | $472 | 10.17% |
| HEIL BUSINESS SOLUTIONS CORPORATION3 Filed as: HEIL BUSINESS SOLUTIONS CORP | 3909 SHORESIDE CIRCLE TAMPA, FL 33624 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $177 | $60 | $237 | 5.11% |
| CHOICE BENEFITS SOLUTIONS LLC3 | PO BOX 41495 ST PETERSBURG BEACH, FL 33743 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | $47 | $113 | 2.43% |
| LUCAS GARTENMAYER3 | 39051 12TH AVE ZEPHYRHILLS, FL 33542 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71 | $8 | $79 | 1.70% |
| TRILOGY BENEFITS CONSULTING LLC3 | 11635 GROVE STREET SEMINOLE, FL 33772 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.24% |
| RUBEN D PEREZ3 | 6352 ALCORN AVE DALLAS, TX 75217 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.22% |
| JOHN ANTHONY CARREIRO III3 | PO BOX 41495 SAINT PETERSBURG, FL 33743 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $1 | $6 | 0.13% |
| KAREN PICCININI3 | 6609 THE LANDINGS DR. ORLANDO, FL 32812 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.11% |
| FRANK M GAMMON3 | 10604 CRESCENT LAKE COURT CLERMONT, FL 34711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.11% |
| STEVEN VERMETTE INC3 | 731 CYPRESS POINTE LANE HAYESVILLE, NC 28904 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 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 | 122 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 123 | 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 | 254 | $518K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 254 | $506K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 254 | $506K |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 122 | $61K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSRUANCE COMPANY | 5 | $12K |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 122 | $61K |
| Other(3 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 122 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.