| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD OF FLORIDA | $99K | $0 | $99K | 4.17% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $27K | -$127 | $27K | 13.14% |
| NORWOOD BENEFIT SERVICES INC3 | 6478 LONG BREEZE ROAD ORLANDO, FL 32810 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12K | $2K | $14K | 10.40% |
| ELIZABETH SCHENK3 Filed as: ELIZABETH MORENO-HARAMBOURE | 8581 SUMMERVILLE PLACE ORLANDO, FL 32819 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $13K | $0 | $13K | 10.15% |
| WILLIAM RENNARD3 | 3001 ALOMA AVENUE, SUITE 116 WINTER PARK, FL 32792 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $961 | $3K | 2.57% |
| SIERRA ALVARADO3 | 700 EAGLE AVENUE LONGWOOD, FL 32750 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $31 | $2K | 1.57% |
| YESENIA A SANCHEZ3 | 1021 DELRIDGE AVENUE ORLANDO, FL 32804 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $141 | $2K | 1.52% |
| MJ INSURANCE3 Filed as: LAURA C MEDINA & VARIOUS AGENTS | 2510 SHELBY CIRCLE KISSIMMEE, FL 34743 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $112 | $1K | 1.11% |
| GIOMARIS IRIZARRY-SANTIAGO3 | 14238 FREDRICKSBURG DRIVE, APT 320 ORLANDO, FL 32837 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $876 | $0 | $876 | 0.67% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | $0 | $13K | 11.64% |
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 | 360 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 362 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 294 | $2.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 477 | $202K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 477 | $202K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 390 | $238K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 390 | $238K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 294 | $2.4M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 390 | $238K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 477 | — |
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.