| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 4927 ORLANDO, FL 32802 | AETNA HEALTH INC. | $5K | $93K | $98K | 6.76% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 4927 ORLANDO, FL 32802 | AETNA LIFE INSURANCE COMPANY | $4K | $335 | $5K | 5.74% |
| KAREN PICCININI3 | 425 WEST COLONIAL DRIVE ORLANDO, FL 32804 | COLONIAL LIFE AND ACCIDENT INURANCE COMPANY | $3K | $2K | $5K | 7.92% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7701 AIRPORT CENTER DRIVE GREENSBORO, NC 27409 | COLONIAL LIFE AND ACCIDENT INURANCE COMPANY | $3K | $0 | $3K | 4.35% |
| YESENIA A SANCHEZ3 Filed as: YESENIA A. SANCHEZ | 1021 DELRIDGE AVENUE ORLANDO, FL 32804 | COLONIAL LIFE AND ACCIDENT INURANCE COMPANY | $2K | $49 | $2K | 3.00% |
| JOHN PICCININI3 | 425 WEST COLONIAL DRIVE, SUITE 304 ORLANDO, FL 32804 | COLONIAL LIFE AND ACCIDENT INURANCE COMPANY | $839 | $15 | $854 | 1.38% |
| ANGEL GABRIEL VELAZQUEZ-DIAZ3 Filed as: ANGEL VELAZQUEZ-DIAZ & OTHER AGENTS | 2022 ESTANCIA CIRCLE, SUITE 6 KISSIMMEE, FL 34741 | COLONIAL LIFE AND ACCIDENT INURANCE COMPANY | $224 | $0 | $224 | 0.36% |
| WILLIAM RENNARD3 | 3001 ALOMA AVENUE WINTER PARK, FL 32792 | COLONIAL LIFE AND ACCIDENT INURANCE COMPANY | $138 | $50 | $188 | 0.30% |
| NORWOOD BENEFIT SERVICES INC3 Filed as: NORWOOD BENEFIT SERVICES, INC. | 6478 LONG BREEZE ROAD ORLANDO, FL 32810 | COLONIAL LIFE AND ACCIDENT INURANCE COMPANY | $135 | $10 | $145 | 0.24% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3605 GLENWOOD AVENUE, SUITE 201 RALEIGH, NC 27612 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 28289 | HARTFORD LIFE AND ACCIDENT | $710 | $0 | $710 | 11.01% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 628 GREEN VALLEY ROAD, SUITE 304 GREENSBORO, NC 27408 | HARTFORD LIFE AND ACCIDENT | $0 | $82 | $82 | 1.27% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 850 CONCOURSE PARKWAY SOUTH SUITE 200 MAITLAND, FL 32802 | HARTFORD LIFE AND ACCIDENT | $65 | $0 | $65 | 1.01% |
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 | 205 | 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) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH INC. | 220 | $1.5M |
| Dental | AETNA LIFE INSURANCE COMPANY | 220 | $81K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INURANCE COMPANY | 205 | $68K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INURANCE COMPANY | 51 | $62K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 10 | $8K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH INC. | 220 | $1.5M |
| Other | HARTFORD LIFE AND ACCIDENT | 205 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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.