| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOEY MIGUES3 Filed as: JOEY GRUBBS BENEFITS LLC | 4527 ARGYLE LN TALLAHASSE, FL 32309 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $8K | $15K | 5.78% |
| PEOPLES UNITED INSURANCE AGENCY(HAR3 Filed as: PEOPLES FIRST INSURANCE INC | 1002 W 23RD ST PANAMA CITY, FL 32405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | — | $9K | 3.66% |
| M & L BENEFIT SOLUTIONS LLC3 Filed as: M&L BENEFIT SOLUTIONS LLC | PO BOX 16362 PANAMA CITY, FL 32406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $755 | $6K | 2.31% |
| NICOLE TOWNSEND VEDDER3 | 3370 LAKE RUN DR TALLAHASSE, FL 32309 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $5K | 1.92% |
| STEPHANIE MICHELLE PROCTOR3 | PO BOX 16362 PANAMA CITY, FL 32406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $282 | $5K | 1.85% |
| EDWARD D SOMMER3 Filed as: EDWARD GUY JR | 736 RED FERN RD TALLAHASSE, FL 32308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $239 | $3K | 1.26% |
| PEOPLES FIRST INS SERVICES LLC3 | 1002 W 23RD ST PANAMA CITY, FL 32405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $934 | — | $934 | 0.37% |
| HOWARD L WEATHERS3 | 1119 ROSEWOOD DR TALLAHASSE, FL 32301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $841 | $25 | $866 | 0.34% |
| DAVID J MCCLELLAN3 Filed as: DAVID B MERKHOFER | 2704 SETTER PL TALLAHASSE, FL 32303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $651 | $103 | $754 | 0.30% |
| ALFORD INSURANCE SERVICES INC3 | 868 STONE RD GRAND RIDGE, FL 32442 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $262 | — | $262 | 0.10% |
| JOSEPH L WROBLEWSKI3 | 19044 N E WOODMONT ROAD BLOUNTSTOWN, FL 32424 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | — | $68 | 0.03% |
| THOMAS WALLACE JR3 | PO BOX 3654 PONTE VEDRA, FL 32004 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | — | $63 | 0.03% |
| JOSEPH GLENN EVANS3 | 4312 DIAMOND TERRACE WESTON, FL 33331 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | — | $51 | 0.02% |
| DEANNA M HAYWARD3 | 1318 PINNACLE PINES RD PANAMA CITY, FL 32404 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | — | $47 | 0.02% |
| ESTATE OF DIANNA L. CHAMBERS3 Filed as: ESTATE OF DIANNA L CHAMBERS | 3022 MORNING SUN DRIVE MIDDLEBURG, FL 32068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.01% |
| VICTORIA LENCE3 | 11 HARVARD CIRCLE PANAMA CITY, FL 32405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.01% |
| CARUSO INSURANCE BENEFITS INC3 | 10872 WILDERNESS CT ORLANDO, FL 32821 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.01% |
| KENNETH LAWRENCE CROUCH3 | 550 CATAWBA DRIVE SALISBURY, NC 28147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.01% |
| NOEL CLARK3 | 1336 HIDEAWAY DR S SAINT JOHNS, FL 32259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| CONSTANCE LABONTE3 | 4824 WILLOW RIDGE TERRACE VALRICO, FL 33594 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.00% |
| MICHAEL J POZO3 | 4142 BOTHWELL TER TALLAHASSE, FL 32317 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.00% |
| RICHARD RIVERA3 | 7603 COCONUT CREEK CT ORLANDO, FL 32822 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| THE FLEMING GROUP3 | PO BOX 5673 DESTIN, FL 32540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| GUY SANMIGUEL3 | 3038 SW 138TH AVE MIRAMAR, FL 33027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| JODY L HILL3 | 2910 KERRY FOREST PKWY TALLAHASSEE, FL 32309 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| GINAKES & ASSOCIATES LLC3 | 1020 W INTERNATIONAL SPEEDWAY DAYTONA BEACH, FL 32114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ANNALIESE CLARK3 | 1336 HIDEAWAY DR S SAINT JOHNS, FL 32259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| CHOICE BENEFIT SOLUTIONS INC3 | 7408 VAN DYKE ROAD ODESSA, FL 33556 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| STEVEN VERMETTE INC3 | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| PHIL COLEMAN3 | 18908 RIVERWIND LN DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| ERNIE E VANCE3 | 60 HUMMINGBIRD LN CRAWFORDVILLE, FL 32327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | $0 | $0 | 0.00% |
| WILLIAM C WESTER3 | PO BOX 375 GRANDRIDGE, FL 32442 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| STATE EMPLOYEE BENEFITS LLC3 | PO BOX 365 HOPE MILLS, NC 28348 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| RACHEL BARTEK MORRISON3 | 76 WILDWOOD ST NICEVILLE, FL 32578 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| BRIAN R CHOWNING3 | 39241 S GRAYS AIRPORT RD FRUITLAND PARK, FL 34731 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| B & B INSURANCE SOLUTIONS INC3 Filed as: B&B INSURANCE SOLUTIONS INC | 14716 SW 112 TERRACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| PIERCE GROUP BENEFITS LLC3 | 4928 LINKSLAND DR HOLLY SPRINGS, NC 27540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| PEOPLES FIRST INS SERVICES LLC3 | 1002 W 23RD ST, SUITE 130 PANAMA CITY, FL 32405 | SUN LIFE ASSURANCE COMPANY OF CANADA | $15K | — | $15K | 10.00% |
| PEOPLES FIRST INS SERVICES LLC3 | 1002 W 23RD ST, SUITE 130 PANAMA CITY, FL 32405 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | — | $14K | 10.00% |
| PEOPLES FIRST INS SERVICES LLC3 | 1002 W 23RD ST, SUITE 130 PANAMA CITY, FL 32405 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 10.00% |
| LEE WARREN3 | 1002 W 23RD ST PANAMA CITY, FL 324053648 | HUMANA INSURANCE COMPANY | $7K | — | $7K | 9.98% |
| PEOPLES UNITED INSURANCE AGENCY(HAR3 Filed as: PEOPLES FIRST INSURANCE LLC | 1002 W. 23RD STREET, SUITE 130 PANAMA CITY, FL 32405 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 7.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA EIN 59-2015694 PLAN ADMINISTRATOR | Contract Administrator Service code 13 | PO BOX 1798 JACKSONVILLE, FL 322310014 | $437K |
| SYMETRA LIFE INSURANCE COMPANY INSURANCE PROVIDER | Insurance services Service code 23 | 777 108TH AVENUE NE, SUITE 1200 BELLEVUE, WA 980045135 | $243K |
| FIRST SERVICE CORP EIN 59-2506423 BENEFIT DEPT | Plan Administrator Service code 14 | — | $173K |
| SUN LIFE ASSURANCE CO OF CANADA EIN 38-1082080 PLAN ADMINISTRATOR | Claims processing Service code 12 | ONE SUN LIFE EXECUTIVE PARK WELLESLEY HILLS, MA 024815699 | $40K |
| ROBINSON BUSH CONSULTANT | Consulting fees Service code 70 | 21 PARK LAKE STREET ORLANDO, FL 32803 | $22K |
| MEDREVIEWS, LLC CLAIMS REVIEW | Consulting fees Service code 70 | 247 WEST 35TH STREET, SUITE 801 NEW YORK, NY 10001 | $14K |
| ALLIANCE SOLUTIONS GROUP SOFTWARE PROVIDER | Other services Service code 49 | 1334 PARKVIEW AVE, STE 100 MANHATTAN BEACH, CA 90266 | $14K |
| TARWATER AND COMPANY EIN 57-2397000 AUDITOR | Accounting (including auditing) Service code 10 | PO BOX 11622 KNOXVILLE, TN 37939 | $8K |
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 | 1,194 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HUMANA INSURANCE COMPANY | 474 | $66K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 877 | $150K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 339 | $73K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 877 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 877 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.