| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF FLORIDA, INC | 4800 NEWBERRY RD. GAINESVILLE, FL 32607 | BLUE CROSS BLUE SHIELD OF FLORIDA | $35K | — | $35K | 2.00% |
| INSURANCE OFFICE OF AMERICA Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 W. STATE RD. 434 LONGWOOD, FL 32750 | GUARDIAN | $26K | $3K | $29K | 11.34% |
| INSURANCE OFFICE OF AMERICA Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 W. STATE RD. 434 LONGWOOD, FL 32750 | COLONIAL LIFE & ACCIDENT INS CO | $8K | $2K | $10K | 39.04% |
| WORKSITE BENEFITS SOLUTION LLC | 323 PLEASANT ST KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INS CO | $4K | $3K | $7K | 28.55% |
| CALVON Y BUCZKOWSKI Filed as: CALVON Y. BUCZKOWSKI | 2608 TALL MAPLE LOOP OCOEE, FL 34761 | COLONIAL LIFE & ACCIDENT INS CO | $1K | $838 | $2K | 7.22% |
| SARAH WEYMOUTH | 306 MAPLE AVE KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INS CO | $1K | $537 | $2K | 7.21% |
| OMAR ENRIQUE FIGUEROA | 3424 DOUGLAS CT KISSIMMEE, FL 34744 | COLONIAL LIFE & ACCIDENT INS CO | $858 | $59 | $917 | 3.52% |
| JENNIFER WEYMOUTH RESMONDO Filed as: JENNIFER WEYMOUTH EVANS | 2940 OAKTREE DR KISSIMMEE, FL 34744 | COLONIAL LIFE & ACCIDENT INS CO | $686 | $148 | $834 | 3.20% |
| DEANNA BOUFFORD | 323 PLEASANT ST KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INS CO | $751 | — | $751 | 2.88% |
| CARUSO INSURANCE BENEFITS INC | 10872 WILDERNESS CT ORLANDO, FL 32821 | COLONIAL LIFE & ACCIDENT INS CO | $514 | $20 | $534 | 2.05% |
| BARBARA C BRENLOVE Filed as: BARBARA C. BRENLOVE | PO BOX 470701 CELEBRATION, FL 34747 | COLONIAL LIFE & ACCIDENT INS CO | $485 | — | $485 | 1.86% |
| CARLOS FIGUEIREDO | 2493 RANCHO DRIVE KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INS CO | $378 | — | $378 | 1.45% |
| ROBERT SHAVERS | 1537 COLONY AVE KISSIMMEE FL, FL 34744 | COLONIAL LIFE & ACCIDENT INS CO | $321 | — | $321 | 1.23% |
| MARYLINE Z ORELLANA Filed as: MARYLINE Z. ORELLANA | 2949 CLIPPER COVE LANE KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INS CO | $208 | $52 | $260 | 1.00% |
| KENNETH A HOLDER Filed as: KENNETH A. HOLDER | 638 LAKEHAVEN CIR ORLANDO, FL 32828 | COLONIAL LIFE & ACCIDENT INS CO | $157 | $6 | $163 | 0.63% |
| INSURANCE OFFICE OF AMERICA Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 W. STATE RD. 434 LONGWOOD, FL 32750 | COLONIAL LIFE & ACCIDENT INS CO | $2K | $332 | $2K | 37.26% |
| WORKSITE BENEFITS SOLUTION LLC | 323 PLEASANT ST KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INS CO | $725 | $531 | $1K | 24.61% |
| OMAR ENRIQUE FIGUEROA | 3424 DOUGLAS CT KISSIMMEE, FL 34746 | COLONIAL LIFE & ACCIDENT INS CO | $387 | $27 | $414 | 8.11% |
| SARAH WEYMOUTH | 306 MAPLE AVE KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INS CO | $251 | $100 | $351 | 6.88% |
| CALVON Y BUCZKOWSKI Filed as: CALVON Y. BUCZKOWSKI | 2608 TALL MAPLE LOOP OCOEE, FL 34761 | COLONIAL LIFE & ACCIDENT INS CO | $169 | $136 | $305 | 5.98% |
| DEANNA BOUFFORD | 323 PLEASANT ST KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INS CO | $142 | $0 | $142 | 2.78% |
| CARUSO INSURANCE BENEFITS INC | 10872 WILDERNESS CT KISSIMMEE, FL 32821 | COLONIAL LIFE & ACCIDENT INS CO | $104 | $4 | $108 | 2.12% |
| CARLOS FIGUEIREDO | 2493 RANCHO DRIVE KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INS CO | $100 | — | $100 | 1.96% |
| BARABARA C. BRENLOVE | PO BOX 470701 CELEBRATION, FL 34747 | COLONIAL LIFE & ACCIDENT INS CO | $71 | — | $71 | 1.39% |
| JENNIFER WEYMOUTH RESMONDO Filed as: JENNIFER WEYMOUTH EVANS | 2940 OAKTREE DR KISSIMMEE, FL 34744 | COLONIAL LIFE & ACCIDENT INS CO | $57 | $12 | $69 | 1.35% |
| ROBERT SHAVERS | 1537 COLONY AVE KISSIMMEE, FL 34744 | COLONIAL LIFE & ACCIDENT INS CO | $59 | — | $59 | 1.16% |
| WORKSITE BENEFITS SOLUTION LLC | 323 PLEASANT ST KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INS CO | $14 | $10 | $24 | 53.33% |
| INSURANCE OFFICE OF AMERICA Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 W. STATE RD. 434 LONGWOOD, FL 32750 | COLONIAL LIFE & ACCIDENT INS CO | $14 | $3 | $17 | 37.78% |
| SARAH WEYMOUTH | 306 MAPLE AVE KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INS CO | $2 | $1 | $3 | 6.67% |
| CALVON Y BUCZKOWSKI Filed as: CALVON Y. BUCZKOWSKI | 2608 TALL MAPLE LOOP OCOEE, FL 34761 | COLONIAL LIFE & ACCIDENT INS CO | $1 | $1 | $2 | 4.44% |
| BARBARA C BRENLOVE Filed as: BARBARA C. BRENLOVE | PO BOX 470701 CELEBRATION, FL 34747 | COLONIAL LIFE & ACCIDENT INS CO | $1 | $0 | $1 | 2.22% |
| MEDCOM SERVICES INC3 | 1061 RIVERSIDE AVE JACKSONVILLE, FL 32204 | MEDCOM SERVICES INC | $5K | — | $5K | — |
| CONTINENTAL BENEFITS | 422 S. KINGS AVE BRANDON, FL 33511 | CONTINENTAL BENEFITS | — | $69K | $69K | — |
| MERITAIN HEALTH Filed as: AETNA | PO BOX 88860 CHICAGO, IL 606951860 | AETNA | — | $351K | $351K | — |
| INSURANCE OFFICE OF AMERICA Filed as: INSURANCE OFFICE OF AMERICA INC | PO BOX 162207 ALTAMONTE SPRINGS, FL 327162207 | INSURANCE OFFICE OF AMERICA INC | — | $54K | $54K | — |
| HEALTH CARE BLUE BOOK | 330 FRANKLIN ROAD, STE 135A-428 BRENTWOOD, TN 37027 | HEALTH CARE BLUE BOOK | — | $6K | $6K | — |
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 | 488 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 488 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE BLUE BOOK | 519 | $0 |
| Dental | GUARDIAN | 488 | $257K |
| Vision | GUARDIAN | 488 | $257K |
| Life insurance(4 contracts, 2 carriers) | GUARDIAN | 488 | $288K |
| Short-term disability(4 contracts, 2 carriers) | GUARDIAN | 488 | $288K |
| Stop-loss / reinsurancereinsurance(3 contracts, 3 carriers) | CONTINENTAL BENEFITS | 519 | $0 |
| Other | MEDCOM SERVICES INC | 177 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 519 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.