| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 W STATE ROAD 434 LONGWOOD, FL 327505069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62K | $20K | $82K | 18.38% |
| WORKSITE BENEFITS SOLUTION LLC3 | 2622 WYMAN CIRCLE KISSIMMEE, FL 34744 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14K | $13K | $27K | 6.08% |
| SARAH WEYMOUTH3 | 107 OCEAN TERRACE INDIALANTIC, FL 32903 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $5K | $14K | 3.23% |
| CALVON Y BUCZKOWSKI3 | 204 COVERED BRIDGE DR OCOEE, FL 34761 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $6K | $12K | 2.59% |
| OMAR ENRIQUE FIGUEROA3 | 3424 DOUGLAS CT KISSIMMEE, FL 34746 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $1K | $9K | 2.08% |
| JENNIFER WEYMOUTH RESMONDO3 Filed as: JENNIFER LEE WEYMOUTH LLC | 2940 OAKTREE DRIVE KISSIMMEE, FL 34744 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $2K | $7K | 1.54% |
| MICHAEL G BOYCE3 | 518 TENNESSEE AVE SAINT CLOUD, FL 34769 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $2K | $7K | 1.47% |
| LIZBETH RAMON3 | 16128 APPENNINE DRIVE BROOKSVILLE, FL 34601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $872 | $6K | 1.35% |
| LUIS CARLOS GONZALEZ3 | 6755 MIAMI LAKES DR APT J135 MIAMI LAKES, FL 33014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $878 | $3K | 0.74% |
| FRANCHESKA FERNANDEZ DIAZ3 | 2030 ESTANCIA CIR KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $148 | $3K | 0.70% |
| ALBERT CASTANEDA3 | 132 S ZUNI RD SAINT CLOUD, FL 34771 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 0.66% |
| ANGEL GABRIEL VELAZQUEZ-DIAZ3 | 2022 ESTANCIA CIR STE 6 KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $690 | $3K | 0.60% |
| KENNETH A HOLDER3 | 870 GREENSHANK DRIVE HAINES CITY, FL 33844 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $316 | $3K | 0.59% |
| GREGORIO R UGAZ3 | 12300 SW 36TH ST MIAMI, FL 33175 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $206 | $2K | 0.45% |
| EDWARD THOMAS CARPENTER3 | 67 LAKE HENRY DR LAKE PLACID, FL 33852 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $89 | $1K | 0.33% |
| LIZBETH RAMON3 Filed as: LIZBETH NUNEZ | 16128 APPENNINE DRIVE BROOKSVILLE, FL 34601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $773 | $34 | $807 | 0.18% |
| DEBRA DAIGLE AMOEDO3 | 12750 GRECO DRIVE ORLANDO, FL 32824 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $732 | $9 | $741 | 0.17% |
| COLLETT G BOISVERT3 | 349 CENTRAL STREET MANCHESTER, NH 03103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $462 | $8 | $470 | 0.10% |
| THE MEEHAN AGENCY LLC3 | 1924 DOWN HOLLOW LN WINDERMERE, FL 34786 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $435 | $15 | $450 | 0.10% |
| EM PROPERTY & CASUALTY LLC3 | 13500 SW 88TH ST STE 287 MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $326 | $122 | $448 | 0.10% |
| MIRIAM TRUJILLO3 | 404 SE 9 ST APT #1 FORT LAUDERDALE, FL 33316 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $391 | — | $391 | 0.09% |
| JENNIFER LOUISE WENKE3 | 9040 TOWN CENTER PKWY LAKEWOOD RANCH, FL 34202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $360 | $16 | $376 | 0.08% |
| STEPHANIE TOTARAM3 | 2716 PEARL CT KISSIMMEE, FL 34743 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $338 | — | $338 | 0.08% |
| LUC JOSEPH3 | 548 NW 51ST ST MIAMI, FL 33127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $278 | $57 | $335 | 0.07% |
| TULASI ANGELICA ASURZA3 | 4679 SW 154TH CT MIAMI, FL 33185 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $189 | $67 | $256 | 0.06% |
| EM INSURANCE AND FINANCIAL SERVICES3 | 4679 SW 154TH CT MIAMI, FL 33185 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $138 | $104 | $242 | 0.05% |
| COLLEEN ODONNELL PRUITT3 | 4937 WANSLEY DRIVE ORLANDO, FL 32812 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $181 | $2 | $183 | 0.04% |
| DAVID WRIGHT FAULK3 | 2324 CANTERCLUB TRAIL APOPKA, FL 32712 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $182 | — | $182 | 0.04% |
| EDIANNETTE ROSADOFONSECA3 | 842 COUNTRY CROSSING CT KISSIMMEE, FL 34744 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $181 | — | $181 | 0.04% |
| ROBERT E FENN3 Filed as: ROBERT FENN JR | 117 CREST BREEZE MNR CRESCENT CITY, FL 32112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $148 | — | $148 | 0.03% |
| PEACOCK FINANCIALS INC3 | 11830 NW 32ND MNR SUNRISE, FL 33323 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | $87 | $129 | 0.03% |
| CARUSO INSURANCE BENEFITS INC3 | 10872 WILDERNESS CT ORLANDO, FL 32821 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $111 | — | $111 | 0.02% |
| WORKPLACE BENEFIT SOLUTIONS LLC3 Filed as: WORKPLACE BENEFITS SOLUTION LLC | 80 SHADOW LN LAKELAND, FL 33813 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $102 | $2 | $104 | 0.02% |
| SILVIA AGUILAR ALVISO3 | 1900 N. TORREY PINES LAS VEGAS, NV 89108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $97 | — | $97 | 0.02% |
| ALBORMA CORP3 | 6634 S GOLDENROD RD UNIT B ORLANDO, FL 32822 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | — | $75 | 0.02% |
| GINAKES & ASSOCIATES LLC3 | 1020 W SPEEDWAY BLVD STE 102 DAYTONA, FL 32114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70 | — | $70 | 0.02% |
| ROBERT SHAVERS3 | 63 SPRING FOREST TRL SHARPSBURG, GA 30277 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | — | $58 | 0.01% |
| BIANCA NAVARRO3 | 1877 MANITOBA CT KISSIMMEE, FL 34759 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | — | $53 | 0.01% |
| BENEFIT COMMUNICATION SPECIALISTS3 | 37 W FAIRMONT AVE STE 207 SAVANNAH, GA 31406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $16 | $39 | 0.01% |
| ALBERT SIDO3 Filed as: ALBERT WEALTH MANAGEMENT LLC | 2201 SW 42ND TERRACE FORT LAUDERDALE, FL 33317 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.01% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DR UNIT 203 DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $9 | $17 | 0.00% |
| CONSTANCE LABONTE3 | 206 SUMMERSIDE CT APOLLO BEACH, FL 33572 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.00% |
| MERI HOWARD3 | 8465 W SAHARA AVE #111-308 LAS VEGAS, NV 89117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.00% |
| LOIDA MATOS3 | 4417 13TH STREET PMB 165 ST. CLOUD, FL 34769 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| SINGLE POINT ENROLLMENT SOLUTIONS3 Filed as: SINGLE POINT ENROLLMENT SOLUTIONS I | 14716 SW 112TH TER MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $3 | $5 | 0.00% |
| MARIO P CASERTA3 Filed as: MARIO ARTURO CUELLO | 10841 SW 123RD ST MIAMI, FL 33176 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| SANDRA TOUSSIANS SIMS3 | 16542 BROADFORD LN CLERMONT, FL 34714 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| CORCORAN & HOYT LLC3 | 3905 TAMPA ROAD OLDSMAR, FL 34677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| BRITO BENEFITS SOLUTIONS INC3 | 14716 SW 112TH TER MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.00% |
| SABRINA S RAMOS3 | 13750 W COLONIAL DRIVE STE 350-33 WINTER GARDEN, FL 34787 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W SR 434 LONGWOOD, FL 32750 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $28K | $4K | $32K | 11.49% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 W STATE RD 434 LONGWOOD, FL 327505069 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $30K | $9K | $39K | 19.55% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE ROAD 434 LONGWOOD, FL 32750 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | $5K | $21K | 19.39% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 W STATE RD 434 LONGWOOD, FL 327505069 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 9.99% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE ROAD 434 LONGWOOD, FL 327505069 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 19.77% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE ROAD 434 LONGWOOD, FL 327505069 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $633 | $3K | 19.80% |
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 | 469 | 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) | 469 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 481 | $3.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 556 | $277K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 556 | $317K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 66 | $13K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 416 | $199K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 66 | $25K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 604 | $572K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 604 | — |
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.