| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CATON INSURANCE AGENCY3 | 3731 NOVA ROAD PORT ORANGE, FL 32129 | FLORIDA HEALTH CARE PLANS, INC | $39K | $0 | $39K | 4.82% |
| CATON INSURANCE AGENCY3 | PO BOX 291970 PORT ORANGE, FL 32129 | BLUE CROSS BLUE SHIELD OF FLORIDA | $9K | $0 | $9K | 6.00% |
| CATON INSURANCE AGENCY3 | 3731 NOVA ROAD DAYTONA BEACH, FL 32129 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 10.00% |
| CATON INSURANCE AGENCY3 | 3731 NOVA ROAD PORT ORANGE, FL 32129 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $0 | $9K | 9.69% |
| GINAKES & ASSOCIATES LLC3 Filed as: GINAKES AND ASSOCIATES, LLC | 1020 WEST INTERNATIONAL SPEEDWAY DAYTONA BEACH, FL 32114 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $2K | $6K | 6.03% |
| JAIME A. CONTRERAS-VESTAL3 | PO BOX 1240 DELANDE, FL 32721 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $635 | $3K | 3.02% |
| MJ INSURANCE3 Filed as: ROSA SHALA AND VARIOUS AGENTS | 16112 HARBOUR VISTA CIRCLE SAINT AUGUSTINE, FL 32080 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $206 | $2K | 2.24% |
| KENNETH A HOLDER3 Filed as: KENNETH A. HOLDER | 870 GREENSHANK DRIVE HAINES CITY, FL 33844 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $985 | $47 | $1K | 1.13% |
| NORA ALERS3 Filed as: NORA MICHELLE ALERS | 2739 VILLAGE PINE TERRACE ORLANDO, FL 32833 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $751 | $0 | $751 | 0.82% |
| DOROTHY RING3 | 8300 PLAZA GATE LANE JACKSONVILLE, FL 32217 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $636 | $107 | $743 | 0.81% |
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 | 226 | 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) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | FLORIDA HEALTH CARE PLANS, INC | 208 | $957K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 215 | $99K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 215 | $99K |
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 160 | $92K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 160 | $92K |
| Long-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 160 | $92K |
| Prescription drug(2 contracts, 2 carriers) | FLORIDA HEALTH CARE PLANS, INC | 208 | $957K |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 160 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.