| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 6100 FAIRVIEW RD STE 1400 CHARLOTTE, NC 282103277 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $0 | $6K | 3.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC | PO BOX 203501 DALLAS, TX 75320 | UNITEDHEALTHCARE INSURANCE COMPANY | $948 | $0 | $948 | 0.51% |
| KAREN PICCININI3 | 425 W COLONIAL DR ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $20 | $6K | 7.20% |
| GENTRY INSURANCE AGENCY INC3 Filed as: GENTRY-DRANE IN AGY INC | PO BOX 2046 APOPKA, FL 32704 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 4.61% |
| ALLEGIANT BENEFITS & SERVICES LLC3 | 7512 DR PHILLIPS BLVD ORLANDO, FL 32819 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $342 | $2K | 2.64% |
| JOHN PICCININI3 | 425 W COLONIAL DR STE 304 ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $266 | $2K | 2.03% |
| CRYSTAL LEADY3 | 12071 VIRGINIA DR LEESBURG, FL 34788 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $111 | $2K | 1.87% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF FLORIDA LLC | PO BOX 2046 APOPKA, FL 32704 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $658 | $0 | $658 | 0.78% |
| SHERI SINGLETON BELL3 | 3693 JERICHO DRIVE CASSELBERRY, FL 32707 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $216 | $0 | $216 | 0.26% |
| KAREN HAYES DECKER3 | 4475 WILLA CREEK DRIVE WINTER SPRINGS, FL 32708 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $178 | $0 | $178 | 0.21% |
| STEVEN VERMETTE INC3 | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $134 | $0 | $134 | 0.16% |
| FRANK M GAMMON3 | 10604 CRESENT LAKE CT CLERMONT, FL 34711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $60 | $0 | $60 | 0.07% |
| R K MATHEWS INC3 | 853 GREENS AVE ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | $0 | $52 | 0.06% |
| JOHN E CUMMINGS3 Filed as: JOHN JOHNSON | 1618 FOX GLEN CT WINTER SPRINGS, FL 32708 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
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 | 150 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 150 | $187K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 69 | $84K |
| Long-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 69 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.