| 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 | $67K | — | $67K | 13.26% |
| ASSOCIATED BUILDERS & CONTRACTORS3 | 440 FIRST STREET, NW SUITE 200 WASHINGTON DC, DC 20001 | UNITED HEALTHCARE INSURANCE COMPANY | $19K | — | $19K | 28.66% |
| ANDERSON BENEFIT SOLUTIONS3 | 3821 LAKE PADGETT DRIVE LAND O LAKES, FL 34639 | COLONIAL LIFE & ACCIDENT INSRUANCE COMPANY | $252 | $80 | $332 | 5.54% |
| LUCAS GARTENMAYER3 | 39051 12TH AVE ZEPHYRHILLS, FL 33542 | COLONIAL LIFE & ACCIDENT INSRUANCE COMPANY | $99 | $11 | $110 | 1.84% |
| HEIL BUSINESS SOLUTIONS CORPORATION3 Filed as: HEIL BUSINESS SOLUTIONS CORP | 3909 SHORESIDE CIRCLE TAMPA, FL 33624 | COLONIAL LIFE & ACCIDENT INSRUANCE COMPANY | $73 | $13 | $86 | 1.44% |
| CHOICE BENEFITS SOLUTIONS LLC3 | 11399 81ST PLACE SEMINOLE, FL 33772 | COLONIAL LIFE & ACCIDENT INSRUANCE COMPANY | $48 | $22 | $70 | 1.17% |
| USI INSURANCE SERVICES LLC3 | 1715 N WESTSHORE BLVD TAMPA, FL 33607 | COLONIAL LIFE & ACCIDENT INSRUANCE COMPANY | $38 | — | $38 | 0.63% |
| RONALD SADOFSKY3 | 14887 SEA MYRTLE LANE HUDSON, FL 34667 | COLONIAL LIFE & ACCIDENT INSRUANCE COMPANY | $18 | — | $18 | 0.30% |
| TRILOGY BENEFITS CONSULTING LLC3 | 11635 GROVE STREET SEMINOLE, FL 33772 | COLONIAL LIFE & ACCIDENT INSRUANCE COMPANY | $11 | — | $11 | 0.18% |
| STEVEN VERMETTE INC3 | 731 CYPRESS POINTE LANE HAYESVILLE, NC 28904 | COLONIAL LIFE & ACCIDENT INSRUANCE COMPANY | $8 | — | $8 | 0.13% |
| JOHN ANTHONY CARREIRO III3 | 11750 CAPRI CIRCLE S - APT 3 TREASURE ISLAND, FL 33706 | COLONIAL LIFE & ACCIDENT INSRUANCE COMPANY | $7 | $1 | $8 | 0.13% |
| FRANK M GAMMON3 | 10604 CRESCENT LAKE COURT CLERMONT, FL 34711 | COLONIAL LIFE & ACCIDENT INSRUANCE COMPANY | $6 | — | $6 | 0.10% |
| KAREN PICCININI3 | 6609 THE LANDINGS DRIVE BELLE ISLE, FL 32812 | COLONIAL LIFE & ACCIDENT INSRUANCE COMPANY | $6 | — | $6 | 0.10% |
| CHOICE BENEFIT SOLUTIONS INC3 Filed as: CHOICE BENEFIT SOLUTIONS INC. | 525 CAPRI BLVD TREASURE ISLAND, FL 33706 | COLONIAL LIFE & ACCIDENT INSRUANCE COMPANY | $5 | — | $5 | 0.08% |
| ANDERSON BENEFIT SOLUTIONS3 | 3821 LAKE PADGETT DRIVE LAND O LAKES, FL 34639 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $193 | $20 | $213 | 6.04% |
| HEIL BUSINESS SOLUTIONS CORPORATION3 Filed as: HEIL BUSINESS SOLUTIONS CORP | 3909 SHORESIDE CIRCLE TAMPA, FL 33624 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | $8 | $70 | 1.99% |
| CHOICE BENEFITS SOLUTIONS LLC3 | 11399 81ST PLACE SEMINOLE, FL 33772 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | $7 | $46 | 1.30% |
| LUCAS GARTENMAYER3 | 39051 12TH AVE ZEPHYRHILLS, FL 33542 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | $2 | $33 | 0.94% |
| RUBEN D PEREZ3 | 6352 ALCORN AVE DALLAS, TX 75217 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.09% |
| KAREN PICCININI3 | 6609 THE LANDINGS DR. BELLE ISLE, FL 32812 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.06% |
| FRANK M GAMMON3 | 10604 CRESCENT LAKE COURT CLERMONT, FL 34711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.06% |
| JOHN ANTHONY CARREIRO III3 | 11750 CAPRI CIR SOUTH TREASURE ISLAND, FL 33706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.03% |
| STEVEN VERMETTE INC3 | 731 CYPRESS POINTE LANE HAYESVILLE, NC 28904 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.03% |
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 | 119 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 192 | $502K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 192 | $502K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 192 | $502K |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 119 | $66K |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 119 | $66K |
| Other(3 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 119 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.