| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE RD 434 SUITE 250 LONGWOOD, FL 32750 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $128K | $128K | 5.26% |
| INSURANCE OFFICE OF AMERICA | 1855 W STATE RD 434 SUITE 250 LONGWOOD, FL 32750 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $68K | $14K | $82K | 13.33% |
| INSURANCE OFFICE OF AMERICA Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 W STATE RD 434 LONGWOOD, FL 32750 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23K | $4K | $27K | 15.06% |
| WORKSITE BENEFITS SOLUTION LLC | 323 PLEASANT ST KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $2K | $8K | 4.46% |
| SARAH WEYMOUTH | 306 MAPLE AVE KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $1K | $5K | 2.91% |
| DEANNA BOUFFORD | 323 PLEASANT ST KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $49 | $3K | 1.59% |
| CALVON Y BUCZKOWSKI Filed as: CALVON BUCZKOWSKI | 2608 TALL MAPLE LOOP OCOEE, FL 34761 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $906 | $3K | 1.52% |
| OMAR ENRIQUE FIGUEROA | 2862 GRASMERE VIEW PKWY KISSIMMEE, FL 34746 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $168 | $2K | 1.31% |
| JENNIFER WEYMOUTH RESMONDO | 2940 OAKTREE DR KISSIMMEE, FL 34744 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $165 | $2K | 1.25% |
| CARUSO INSURANCE BENEFITS INC | 10872 WILDERNESS CT ORLANDO, FL 32821 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $123 | $2K | 0.98% |
| KENNETH A HOLDER Filed as: KENNETH HOLDER | 638 LAKEHAVEN CIRCLE ORLANDO, FL 32828 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $123 | $1K | 0.79% |
| EDWARD D SOMMER Filed as: EDWARD GUY JR | 716 RED FERN RD TALLAHASSEE, FL 32308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $995 | $208 | $1K | 0.67% |
| HOWARD L WEATHERS Filed as: HOWARD WEATHERS | 1119 ROSEWOOD DR TALLAHASSEE, FL 32301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $995 | $4 | $999 | 0.56% |
| ROBERT SHAVERS | 1537 COLONY AVE KISSIMMEE, FL 34744 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $732 | $30 | $762 | 0.43% |
| JODI MOYLAN | 19103 MERIDIAN EAST PUYALLUP, WA 98375 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $658 | $86 | $744 | 0.42% |
| JANIS ANN CLINEBELL Filed as: JANIS RENA LUKEHART | 210 DAWNCREST PL CAMANO ISLAND, WA 98282 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $680 | $0 | $680 | 0.38% |
| JOEY MIGUES Filed as: JOEY GRUBBS BENEFITS LLC | 682 VALLEY VIEW RD MONTICELLO, FL 32344 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $222 | $135 | $357 | 0.20% |
| TAI D SHIN | 2950 POPPY LANE TUMWATER, WA 98512 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $98 | $249 | $347 | 0.19% |
| MUSTAPHA KHINIT | 943 BATTERY POINTE DR ORLANDO, FL 32828 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $329 | $0 | $329 | 0.18% |
| MARYLINE Z ORELLANA | 2949 CLIPPER COVE LANE KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $203 | $0 | $203 | 0.11% |
| WYNCIN P MARTIN | 214 BALBOA DR KISSIMMEE, FL 34758 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $179 | $20 | $199 | 0.11% |
| DAVID J MCCLELLAN Filed as: DAVID B MERKHOFER | 2704 SETTER OL TALLAHASSEE, FL 32303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74 | $53 | $127 | 0.07% |
| SAMANTHA C CORTELAZZO-ABBATE | 1283 TWIN RIVERS BLVD OVIEDO, FL 32766 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $118 | $0 | $118 | 0.07% |
| MARK CHARLES MORGAN | 2590 WILLIAMETTE DR NE LACEY, WA 98516 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $84 | $97 | 0.05% |
| COLLETTE G BOISVERT | 349 CENTRAL ST MANCHESTER, NH 03103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $94 | $0 | $94 | 0.05% |
| KERRY ANN TATE | 9949 BOCA CIR NAPLES, FL 34109 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | $0 | $59 | 0.03% |
| SHARI DIANNE FIELD | 262 OYHUT BAY BLVD SW OCEAN SHORES, WA 98569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | $0 | $57 | 0.03% |
| ASHTON BROCK | 1708 LAUREL ST MOBILE, AL 36604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | $0 | $55 | 0.03% |
| ROXANA BUSCHMAN | 400 NORTHEAST 149TH ST VANCOUVER, WA 98685 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | $0 | $55 | 0.03% |
| DEBRA DAIGLE AMOEDO | 12750 GRECO DR ORLANDO, FL 32824 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | $13 | $52 | 0.03% |
| CHRISTINE LYNN MORGESTER | 9405 NE 100TH WAY VANCOUVER, WA 98662 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | $0 | $38 | 0.02% |
| SANDRA SIMS | 13750 W COLONIAL DR STE 350 WINTER GARDEN, FL 34787 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | $3 | $34 | 0.02% |
| REEVES, RANDY Filed as: THE REEVES AGENCY INC | PO BOX 797 FAIRHOPE, AL 36533 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | $0 | $29 | 0.02% |
| JUDY INEZ BUCHOLTZ Filed as: JUDY I BUCHOLTZ | 12517-217TH AVE CT E BONNEY LAKE, WA 98391 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $3 | $28 | 0.02% |
| SABRINA S RAMOS Filed as: SABRINA RAMOS | 13750 W COLONIAL DR WINTER GARDEN, FL 34787 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $5 | $23 | 0.01% |
| JAMES J COATES & ASOC INC | PO BOX 2055 WINTER PARK, FL 32790 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $0 | $19 | 0.01% |
| DAVID BECK | 15204 W COLONIAL DR WINTER GARDEN, FL 34787 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.01% |
| LEWIS ASHTON BROCK III | 8776 SPRING GROVE NORTH MOBILE, AL 36695 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $1 | $10 | 0.01% |
| DEREK THURSTON | 112 NW 114TH ST VANCOUVER, WA 98685 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.00% |
| D'ARCIPRETE & ASSOCIATES INC Filed as: D'ARCIPRETE & ACCOSCIATES INC | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $4 | $7 | 0.00% |
| DAN CAMPBELL | 641 CORNWALL RD WINTER PARK, FL 32792 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.00% |
| HR BENEFITS SERVICES, INC. Filed as: NW BENEFITS GROUP LLC | 3104 MCALLISTER ST DUPONT, WA 98327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $1 | $4 | 0.00% |
| WILLIAM RENNARD | 3001 ALOMA AVE WINTER PARK, FL 32792 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| MICHAEL G BOYCE | 2622 WYMAN CIR KISSIMMEE, FL 34744 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.00% |
| NORWOOD BENEFIT SERVICES INC Filed as: NORWOOD BENEFITS SERVICES INC | 6478 LONG BREEZE RD ORLANDO, FL 32810 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| PREMIER WORKSITE SOLUTIONS INC | 806 NW 79TH ST VANCOUVER, WA 98665 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| BARBARA RENNARD | 3001 ALOMA AVE WINTER PARK, FL 32792 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| REUBEN F JACOBS JR | 868 LAKE JACKSON CIR APOPKA, FL 32703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| MICHAEL A DUARTE Filed as: MICHAEL DUARTE | 515 DULL STREET DICKSON, TN 37055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| BENEFITS BY DESIGN INC | 2101 NE 279TH ST RIDGEFIELD, WA 98642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| INSURANCE OFFICE OF AMERICA | 1855 W STATE RD 434 SUITE 250 LONGWOOD, FL 32750 | NATIONAL GUARDIAN INSURANCE COMPANY | $4K | $0 | $4K | 14.65% |
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 | 627 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 630 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 552 | $2.4M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 627 | $616K |
| Vision | NATIONAL GUARDIAN INSURANCE COMPANY | 512 | $28K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 627 | $795K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 627 | $616K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 627 | $616K |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 627 | $795K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 627 | — |
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."
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.