| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 | PO BOX 4927 ORLANDO, FL 328024927 | AETNA HEALTH, INC. | — | $5K | $5K | 0.32% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SVS. INC. | P.O. BOX 4927 ORLANDO, FL 32802 | AETNA LIFE INSURANCE CO. | $5K | $1K | $6K | 7.38% |
| KAREN PICCININI3 | 425 WEST COLONIAL DRIVE ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $627 | $4K | 6.13% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SVS. INC. | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 3.63% |
| JOHN PICCININI3 | 425 WEST COLONIAL DRIVE ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $654 | $219 | $873 | 1.49% |
| KAREN HAYES DECKER3 | 4475 WILLA CREEK DRIVE WINTER SPRINGS, FL 32708 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $779 | $39 | $818 | 1.40% |
| LATINSURANCE INC3 Filed as: LATINSURANCE, INC. | 969 HIGHPOINT LOOP LONGWOOD, FL 32750 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $505 | $20 | $525 | 0.90% |
| FRANK M GAMMON3 Filed as: FRANK M. GAMMON | 10604 CRESENT LAKE CT. CLERMONT, FL 34711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $84 | — | $84 | 0.14% |
| STEVEN VERMETTE INC3 Filed as: STEVEN VERMETTE, INC. | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | — | $72 | 0.12% |
| CARUSO INSURANCE BENEFITS INC3 Filed as: CARUSO INSURANCE BENEFITS, INC. | 10872 WILDERNESS CT. ORLANDO, FL 32821 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.01% |
| WILLIAM RENNARD3 | 3001 ALOMA AVE. WINTER PARK, FL 32792 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.01% |
| JOHN E CUMMINGS3 Filed as: JOHN JOHNSON | 1618 FOX GLEN CT. WINTER SPRINGS, FL 32708 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| DIANNE E MCCOY3 Filed as: DIANNE E. MCCOY | 1913 RETREAT DRIVE MECHANICSVILLE, VA 23111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| BB&T INSURANCE SERVICES, INC.3 | 1020 DRAYTON ST., 2ND FL SUITE 200 SAVANAH, GA 31401 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 14.99% |
| HARRISON-WATKINSON INC3 Filed as: HARRISON-WATKINSON INC. | 2002 N. LOIS AVE., SUITE 800 TAMPA, FL 33607 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $23 | — | $23 | 0.30% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BB&T INSURANCE SERVICES, INC. EIN 59-2411584 NONE | Insurance agents and brokers Service code 22 | P.O. BOX 4927 ORLANDO, FL 32802 | $75K |
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 | 195 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 225 | $80K |
| Life insurance(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 225 | $138K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 65 | $58K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 11 | $8K |
| Other | AETNA LIFE INSURANCE CO. | 225 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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."
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.