| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE STONER ORGANIZATION3 | 700 CENTRAL AVE STE 300 SAINT PETERSBURG, FL 33701 | HUMANA INSURANCE COMPANY | $229K | $23K | $252K | 5.51% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 W STATE ROAD 434 LONGWOOD, FL 32750 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 9.85% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $716 | — | $716 | 0.69% |
| GCD INSURANCE CONSULTANTS INC3 | 7416 MONIKA MANOR DRIVE TAMPA, FL 33625 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $100 | — | $100 | 0.10% |
| GCD INSURANCE CONSULTANTS INC3 Filed as: GCD INSURANCE COLNSULTANTS | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 8.74% |
| TRILOGY BENEFITS CONSULTING LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $604 | — | $604 | 1.48% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH ELIZABETH MAXWELL | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $180 | $14 | $194 | 0.47% |
| JANE W BARNHILL3 Filed as: JANE S DOHERTY | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $129 | — | $129 | 0.32% |
| HEIL BUSINESS SOLUTIONS CORPORATION3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $119 | — | $119 | 0.29% |
| CONSTANCE A SMITH3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $108 | — | $108 | 0.26% |
| DANIELS SOLUTIONS LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70 | — | $70 | 0.17% |
| AFFORDABLE BENEFITS SOLUTIONS INC3 Filed as: AFFORDABLE INSURANCE SOLUTIONS INC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | — | $56 | 0.14% |
| FESSLER AGENCY INC3 Filed as: THE FESSLER AGENCY INC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | — | $53 | 0.13% |
| EXCALIBUR FINANCIAL GROUP3 Filed as: EXCALIBUR FINANCIAL GROUP INC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | — | $48 | 0.12% |
| GREGORY ALLEN BATTEN3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 0.11% |
| VLDCO ENTERPRISE LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.08% |
| LAURA MCCLUNG PLYLER3 Filed as: LAURA PATRICE NANCE | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.07% |
| CORCORAN & HOYT LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.04% |
| COACH CONCEPTS INC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.04% |
| TAMARA ANN BUSCHER3 Filed as: TAMARA GAIL COPELAND | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| SCHMIDT BENEFIT GROUP INC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| JADE COMPANIES LLC3 Filed as: JADE ALEXANDRA DAVIS | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 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 | 326 | 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) | 326 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 326 | $4.6M |
| Dental | HUMANA INSURANCE COMPANY | 326 | $4.6M |
| Vision | HUMANA INSURANCE COMPANY | 326 | $4.6M |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 225 | $145K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 225 | $104K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 225 | $104K |
| Prescription drug | HUMANA INSURANCE COMPANY | 326 | $4.6M |
| Other(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 326 | $4.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 326 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.