| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | PRINCIPAL LIFE INSURANCE COMPANY | $245K | $0 | $245K | 13.81% |
| INSURANCE OFFICE OF AMERICA3 | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68K | $1K | $69K | 6.47% |
| MJ INSURANCE3 Filed as: PAMELA BURCHETTE AND VARIOUS AGENTS | 15118 B JANUS ROAD BILOXI, MS 39532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57K | $8K | $65K | 6.06% |
| SAMUEL K RENNARD3 Filed as: SAMUEL K. RENNARD | 1409 ALLISON AVENUE ALTAMONTE SPRINGS, FL 32701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44K | $2K | $47K | 4.36% |
| WILLIAM RENNARD3 | 3001 ALOMA AVENUE WINTER PARK, FL 32792 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11K | $4K | $15K | 1.36% |
| BARBARA RENNARD3 Filed as: BARBARA RENARD | 3001 ALOMA AVENUE, SUITE 116 WINTER PARK, FL 32792 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14K | $102 | $14K | 1.34% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | UNKNOWN TAMPA, FL 33607 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13K | $0 | $13K | 1.24% |
| ALDEN D MCGEE3 Filed as: ALDEN D. MCGEE | 3657 RICHMOND STREET JACKSONVILLE, FL 32205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $947 | $4K | 0.41% |
| INSURANCE OFFICE OF AMERICA3 | 1 SLEIMAN PARKWAY, SUITE 130 JACKSONVILLE, FL 32216 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $71K | $11K | $82K | 11.56% |
| INSURANCE OFFICE OF AMERICA3 | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $32K | $0 | $32K | 12.00% |
| INSURANCE OFFICE OF AMERICA3 | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | ARAG INSURANCE COMPANY | $6K | $0 | $6K | 10.00% |
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 | 3,729 | 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) | 3,729 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,465 | $710K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 2,092 | $264K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 4,878 | $1.8M |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 4,878 | $2.8M |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 4,878 | $1.8M |
| Other(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 4,878 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,878 | — |
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.