| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CATON INSURANCE AGENCY3 | 3731 NOVA ROAD DAYTONA BEACH, FL 32129 | FLORIDA HEALTH CARE PLANS, INC | $50K | $0 | $50K | 5.50% |
| CATON INSURANCE AGENCY3 | 3731 NOVA ROAD DAYTONA BEACH, FL 32129 | BLUE CROSS BLUE SHIELD OF FLORIDA | $10K | $0 | $10K | 6.00% |
| CATON INSURANCE AGENCY3 | 3731 NOVA ROAD DAYTONA BEACH, FL 32129 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $0 | $6K | 7.26% |
| GINAKES & ASSOCIATES LLC3 | 1020 WEST INTERNATIONAL SPEEDWAY DAYTONA BEACH, FL 32114 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $746 | $3K | 3.55% |
| JAMIE A CONTRERAS-VESTAL3 Filed as: JAMIE A. CONTRERAS-VESTAL | PO BOX 1240 DELAND, FL 32721 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $131 | $2K | 2.11% |
| MJ INSURANCE3 Filed as: ANGEL DIAZ AND VARIOUS AGENTS | 2022 ESTANCIA CIRCLE KISSIMMEE, FL 34741 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $868 | $60 | $928 | 1.08% |
| PAMELA LYNN WOODSOME3 | 660 SOUTH BEACH STREET ORMOND BEACH, FL 32174 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $390 | $68 | $458 | 0.53% |
| SARAH WEYMOUTH3 | 107 OCEAN TERRACE INDIALANTIC, FL 32903 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $201 | $0 | $201 | 0.23% |
| KENNETH A HOLDER3 Filed as: KENNETH A. HOLDER | 870 GREENSHANK DRIVE HAINES CITY, FL 33844 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $179 | $3 | $182 | 0.21% |
| CATON INSURANCE AGENCY3 | 3731 NOVA ROAD DAYTONA BEACH, FL 32129 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 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 | 213 | 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) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | FLORIDA HEALTH CARE PLANS, INC | 108 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 213 | $82K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 213 | $82K |
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 141 | $86K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 141 | $86K |
| Long-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 141 | $86K |
| Prescription drug(2 contracts, 2 carriers) | FLORIDA HEALTH CARE PLANS, INC | 108 | $1.1M |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 141 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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.