| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORENO FINANCIAL SERVICES, INC.3 | 111 NORTH MAGNOLIA AVENUE SUITE 1025 ORLANDO, FL 32801 | HEALTH OPTIONS | $64K | — | $64K | 5.00% |
| MORENO FINANCIAL SERVICES, INC.3 | 111 NORTH MAGNOLIA AVENUE SUITE 1025 ORLANDO, FL 32801 | HUMANA INSURANCE COMPANY | $10K | — | $10K | 9.00% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE INC - GA | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | HUMANA INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| MORENO FINANCIAL SERVICES, INC.3 | 111 NORTH MAGNOLIA AVENUE SUITE 1025 ORLANDO, FL 32801 | BLUE CROSS BLUE SHIELD OF FLORIDA | $4K | — | $4K | 5.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY, SE SUITE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 14.75% |
| NORWOOD BENEFIT SERVICES INC3 | 6478 LONG BREEZE ROAD ORLANDO, FL 32810 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $1K | $8K | 19.53% |
| ELIZABETH SCHENK3 Filed as: ELIZABETH MORENO-HARAMBOURE | 8581 SUMMERVILLE PLACE ORLANDO, FL 32819 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 13.52% |
| WILLIAM RENNARD3 | 3001 ALOMA AVENUE WINTER PARK, FL 32792 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $682 | $2K | 4.74% |
| THE CONNEMARA GROUP LLC3 Filed as: THE CONNEMARA GROUP, LLC | 4032 DELLBROOK DRIVE TAMPA, FL 33624 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $27 | $13 | $40 | 0.10% |
| JARRET THOMAS HONAHAN3 Filed as: JARRET T. HONAHAN AND OTHER AGENTS | 7 HARBOR OAKS CIRCLE SAFETY HARBOR, FL 34695 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $28 | $8 | $36 | 0.09% |
| SHIRLEY B DRAKE3 Filed as: SHIRLEY B. DRAKE | 14141 46TH STEET NORTH CLEARWATER, FL 33762 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $19 | $10 | $29 | 0.07% |
| NANCY BENNETT & ASSOCIATES INC3 Filed as: NANCY BENNETT AND ASSOCIATES, INC. | SJO 84626 MIAMI, FL 33126 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.02% |
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 | 298 | 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) | 298 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HEALTH OPTIONS | 296 | $1.4M |
| Dental | HUMANA INSURANCE COMPANY | 245 | $107K |
| Vision | HUMANA INSURANCE COMPANY | 245 | $107K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 315 | $50K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 315 | $50K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 315 | $50K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 296 | $1.4M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 315 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 315 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.