| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | HEALTH OPTIONS, INC. | $40K | $0 | $40K | 3.00% |
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE CENTER PARKWAY SUITE 700 ATLANTA, GA 30328 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $50K | $14K | $64K | 16.98% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | BLUE CROSS BLUE SHIELD OF FLORIDA | $6K | $0 | $6K | 3.00% |
| CAVENDER INVESTMENTS INC3 Filed as: CAVENDER INVESTMENTS INC. | 3535 THORNE PATH OXFORD, FL 34484 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $437 | $4K | 7.64% |
| USI INSURANCE SERVICES LLC3 | 2502 NORTH ROCKY POINT DRIVE TAMPA, FL 33607 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $5 | $4K | 6.69% |
| ANGEL GABRIEL VELAZQUEZ-DIAZ3 Filed as: ANGEL VELAZQUEZ-DIAZ & OTHER AGENTS | 2022 ESTANCIA CIRCLE KISSIMMEE, FL 34741 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $349 | $2K | 3.57% |
| GINAKES & ASSOCIATES LLC3 Filed as: GINAKES AND ASSOCIATES LLC | 1020 WEST INTERNATIONAL SPEEDWAY DAYTONA BEACH, FL 32114 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $570 | $2K | 2.82% |
| JAMIE A CONTRERAS-VESTAL3 Filed as: JAMIE A. CONTRERAS-VESTAL | PO BOX 1240 DELAND, FL 32721 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $303 | $1K | 2.57% |
| BRIAN R CHOWNING3 Filed as: BRIAN R. CHOWNING | 36241 SOUTH GRAYS AIRPORT ROAD FRUITLAND PARK, FL 34731 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $383 | $356 | $739 | 1.30% |
| DAWN CORNELIUSSEN3 | 4038 GRIFFINVIEW DRIVE LADY LAKE, FL 32159 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $651 | $76 | $727 | 1.28% |
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 | 283 | 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) | 283 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 152 | $1.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 283 | $377K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 283 | $377K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 283 | $377K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 283 | $377K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 283 | $377K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 152 | $1.5M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 283 | $434K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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.