| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C GORDON INSURANCE SOLUTIONS3 Filed as: C GORDON INSURANCE SOLUTIONS, INC. | 1065 HOWELL HARBOR DR CASSELBERRY, FL 327075800 | BLUE CROSS BLUE SHIELD OF FLORIDA | $40K | — | $40K | 5.00% |
| C GORDON INSURANCE SOLUTIONS3 Filed as: C GORDON INSURANCE SOLUTIONS, INC | 1065 HOWELL HARBOR DR CASSELBERRY, FL 327075800 | HEALTH OPTIONS | $15K | — | $15K | 5.00% |
| C GORDON INSURANCE SOLUTIONS3 Filed as: C. GORDON INSURANCE SOLUTIONS, INC. | PO BOX 620627 OVIEDO, FL 32762 | AETNA LIFE INSURANCE COMPANY | $6K | — | $6K | 8.79% |
| ALLEGIANT BENEFITS & SERVICES LLC3 | 7512 DR PHILLIPS BLVD ORLANDO, FL 32819 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $854 | $10K | 15.65% |
| KAREN PICCININI3 | 425 W COLONIAL DR ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $803 | $2K | 3.65% |
| JOHN PICCININI3 | 425 W COLONIAL DRIVE ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $475 | $2K | 2.67% |
| LESLIE BRERETON3 | 2125 NE 63RD CT FT LAUDERDALE, FL 33308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $861 | — | $861 | 1.34% |
| HEIDI S WEISHAUPT3 | 4520 29TH AVE CIR E PALMETTO, FL 34221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $417 | $37 | $454 | 0.71% |
| KAREN HAYES DECKER3 | 4475 WILLA CREEK DRIVE WINTER SPRINGS, FL 32708 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $320 | $5 | $325 | 0.51% |
| AVERY INSURANCE INC3 | ATTN PAMELA AVERY POMPANO BEACH, FL 33069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $105 | $20 | $125 | 0.20% |
| JASON R JONES3 | 3706 PALM RD LAKELAND, FL 33810 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | — | $82 | 0.13% |
| JENNIFER VISCOSI3 | 7627 LINDENHURST DR ORLANDO, FL 32836 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74 | — | $74 | 0.12% |
| MICHAEL MARSHALL3 | 1134 SE 6TH CT DANIA BEACH, FL 33004 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $4 | $16 | 0.02% |
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 | 177 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 113 | $1.2M |
| Dental | AETNA LIFE INSURANCE COMPANY | 127 | $70K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 113 | $1.1M |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 54 | $64K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 113 | $1.1M |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 54 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.