| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | PRINCIPAL LIFE INSURANCE COMPANY | $112K | $25K | $137K | 8.47% |
| INSURANCE OFFICE OF AMERICA3 | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | PRINCIPAL LIFE INSURANCE COMPANY | $95K | $0 | $95K | 5.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | UNKOWN TAMPA, FL 33607 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74K | $0 | $74K | 8.71% |
| MJ INSURANCE3 Filed as: JENNIFER HUNTER AND VARIOUS AGENTS | 101 JULIE LANE BRINKLEY, AR 72021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51K | $9K | $60K | 7.05% |
| SAMUEL K RENNARD3 Filed as: SAMUEL K. RENNARD | 1409 ALLISON AVENUE ALTAMONTE SPRINGS, FL 32701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39K | $3K | $42K | 4.97% |
| ELIZABETH HELEN DOWNEY3 | 16 COVE LANE EUSTIS, FL 32726 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $11K | $16K | 1.87% |
| BARBARA RENNARD3 | 3001 ALOMA AVENUE, SUTE 116 WINTER PARK, FL 32792 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | $345 | $13K | 1.50% |
| KRISTINA SUE TREZISE3 | 2017 ELCAMPO AVENUE DELTONA, FL 32725 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $2K | $9K | 1.11% |
| AGRESSIVE NETWORKER LLC3 | 1614 JESSAMINE AVENUE ORLANDO, FL 32806 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $3K | $7K | 0.83% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $28K | $0 | $28K | 17.00% |
| INSURANCE OFFICE OF AMERICA3 | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | ARAG INSURANCE COMPANY | $2K | $0 | $2K | 3.67% |
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 | 2,912 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,919 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 3,861 | $1.6M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 3,252 | $166K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 3,861 | $1.6M |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 3,861 | $2.5M |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 3,861 | $1.6M |
| Other(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 3,861 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,861 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.