| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCD INSURANCE CONSULTANTS INC3 Filed as: GCD INSURANCE CONSULTANTS | 7416 MONIKA MANOR DR TAMPA, FL 33625 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 11.24% |
| TRILOGY BENEFITS CONSULTING LLC3 | 5908 HAMMOCK WOODS DR ODESSA, FL 33556 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 3.22% |
| AFFORDABLE BENEFITS SOLUTIONS INC3 Filed as: AFFORDABLE INSURANCE SOLUTIONS INC | 11444 GRAND BAY BLVD CLEARMONT, FL 34711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $619 | $143 | $762 | 1.45% |
| JANET S DOHERTY3 | 1001 STARKEY RD LARGO, FL 33771 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $475 | $249 | $724 | 1.38% |
| DANIELS SOLUTIONS LLC3 | 4941 POMPANO DR NEW PORT RICHEY, FL 34652 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $240 | $385 | $625 | 1.19% |
| GREGORY ALLEN BATTEN3 | 2026 DOWN HOLLOW LN WINDERMERE, FL 34786 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $325 | $116 | $441 | 0.84% |
| EMPLOYEE BENEFITS GROUP OF FLORIDA3 | 855 S DILLARD ST WINTER GARDEN, FL 34787 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $123 | $88 | $211 | 0.40% |
| CORCORAN & HOYT LLC3 | 12505 BRONCO DR TAMPA, FL 33624 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $138 | $68 | $206 | 0.39% |
| HEIL BUSINESS SOLUTIONS CORPORATION3 Filed as: HEIL BUSINESS SOLUTIONS CORP | 2150 49TH STREET N SUITE F ST PETERSBURG, FL 33710 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $192 | — | $192 | 0.37% |
| FESSLER AGENCY INC3 Filed as: THE FESSLER AGENCY INC | 3165 MCMULLEN BOOTH RD CLEARWATER, FL 33761 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | — | $72 | 0.14% |
| TAMARA ANN BUSCHER3 Filed as: TAMARA GAIL COPELAND | PO BOX 243 LAND O LAKES, FL 34639 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.08% |
| LAURA MCCLUNG PLYLER3 Filed as: LAURA PATRICE NANCE | 13214 88TH PL N SEMINOLE, FL 33776 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | — | $42 | 0.08% |
| EXCALIBUR FINANCIAL GROUP3 Filed as: EXCALIBUR FINANCIAL GROUP INC | 302 KNIGHTS RUN STE 110 TAMPA, FL 33602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.06% |
| JADE COMPANIES LLC3 Filed as: JADE ALEXANDRA DAVIS | 4331 FLORAMAR TERRACE NEW PORT RICHEY, FL 34652 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.02% |
| SCHMIDT BENEFIT GROUP INC3 | 512 LYONS BAY RD NOKOMIS, FL 34275 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| VLDCO ENTERPRISE LLC3 Filed as: VLDCO ENTERPRISES LLC | 136 33RD AVE NORTH ST PETERSBURG, FL 33704 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| THE STONER ORGANIZATION3 | 700 CENTRAL AVE SUITE 404 ST PETERSBURG, FL 33701 | HUMANA INSURANCE COMPANY | $101K | $8K | $109K | — |
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 | 336 | 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) | 336 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 762 | $0 |
| Dental | HUMANA INSURANCE COMPANY | 762 | $0 |
| Vision | HUMANA INSURANCE COMPANY | 762 | $0 |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 273 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 762 | — |
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.