| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE STONER ORGANIZATION3 | 700 CENTRAL AVE SUITE 404 ST PETERSBURG, FL 33701 | HUMANA INSURANCE COMPANY | $188K | — | $188K | 6.28% |
| GCD INSURANCE CONSULTANTS INC3 Filed as: GCD INSURANCE CONSULTANTS | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $230 | $6K | 9.80% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH ELIZABETH MAXWELL | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $293 | $2K | 3.35% |
| TRILOGY BENEFITS CONSULTING LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $174 | $2K | 3.12% |
| JANET S DOHERTY3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $438 | $99 | $537 | 0.92% |
| DANIELS SOLUTIONS LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $267 | $58 | $325 | 0.56% |
| CORCORAN & HOYT LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $135 | $43 | $178 | 0.31% |
| HEIL BUSINESS SOLUTIONS CORPORATION3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $161 | — | $161 | 0.28% |
| CONSTANCE A SMITH3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $144 | — | $144 | 0.25% |
| AFFORDABLE BENEFITS SOLUTIONS INC3 Filed as: AFFORDABLE INSURANCE SOLUTIONS INC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $119 | $5 | $124 | 0.21% |
| FESSLER AGENCY INC3 Filed as: THE FESSLER AGENCY INC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | — | $75 | 0.13% |
| GREGORY ALLEN BATTEN3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | $6 | $74 | 0.13% |
| EXCALIBUR FINANCIAL GROUP3 Filed as: EXCALIBUR FINANCIAL GROUP INC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | — | $48 | 0.08% |
| LAURA MCCLUNG PLYLER3 Filed as: LAURA PATRICE NANCE | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.07% |
| VLDCO ENTERPRISE LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.07% |
| EMPLOYEE BENEFITS GROUP OF FLORIDA3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $19 | $30 | 0.05% |
| TAMARA ANN BUSCHER3 Filed as: TAMARA GAIL COPELAND | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.05% |
| COACH CONCEPTS INC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.04% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL NATHAN AQUILINO | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.02% |
| JADE COMPANIES LLC3 Filed as: JADE ALEXANDRA DAVIS | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| SCHMIDT BENEFIT GROUP INC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
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 | 360 | 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) | 360 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 360 | $3.0M |
| Dental | HUMANA INSURANCE COMPANY | 360 | $3.0M |
| Vision | HUMANA INSURANCE COMPANY | 360 | $3.0M |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 67 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 360 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.