| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CANTON INSURANCE AGENCY, INC.3 | 3731 SOUTH NOVA ROAD PORT ORANGE, FL 32129 | COLONIAL LIFE & ACCIDENT COMPANY | $6K | $0 | $6K | 10.26% |
| GINAKES & ASSOCIATES LLC3 | 1020 WEST INTERNATIONAL SPEEDWAY DAYTONA BEACH, FL 32114 | COLONIAL LIFE & ACCIDENT COMPANY | $3K | $3K | $5K | 8.41% |
| TERESA R MASK3 Filed as: TERESA R. MASK AND VAR. AGENTS | 12341 YELLOW BLUFF ROAD JACKSONVILLE, FL 32226 | COLONIAL LIFE & ACCIDENT COMPANY | $2K | $540 | $3K | 4.70% |
| JAMIE A CONTRERAS-VESTAL3 Filed as: JAMIE A. CONTRERAS-VESTAL | PO BOX 1240 DELAND, FL 32721 | COLONIAL LIFE & ACCIDENT COMPANY | $2K | $446 | $2K | 3.32% |
| ALDEN D MCGEE3 Filed as: ALDEN F. MCGEE | 3657 RICHMOND STREET JACKSONVILLE, FL 32205 | COLONIAL LIFE & ACCIDENT COMPANY | $488 | $167 | $655 | 1.04% |
| WINFREDA HELEN LUTZ3 | 16658 HAMILTON DRIVE ORLANDO, FL 32833 | COLONIAL LIFE & ACCIDENT COMPANY | $471 | $0 | $471 | 0.75% |
| SARAH WEYMOUTH3 | 306 MAPLE AVENUE KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT COMPANY | $377 | $21 | $398 | 0.63% |
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 | 147 | 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) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | COLONIAL LIFE & ACCIDENT COMPANY | 147 | $63K |
| Short-term disability | COLONIAL LIFE & ACCIDENT COMPANY | 147 | $63K |
| Long-term disability | COLONIAL LIFE & ACCIDENT COMPANY | 147 | $63K |
| Other | COLONIAL LIFE & ACCIDENT COMPANY | 147 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.