| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 1560 SAWGRASS CORPORATE PARKWAY SUITE 300 SUNRISE, FL 33323 | BLUE CROSS BLUE SHIELD OF FLORIDA | $29K | $0 | $29K | 4.17% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | -$15 | $0 | -$15 | -0.03% |
| ELIZABETH SCHENK3 Filed as: ELIZABETH MORENO-HARAMBOURE | 8581 SUMMERVILLE PLACE ORLANDO, FL 32819 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 7.37% |
| NORWOOD BENEFIT SERVICES INC3 Filed as: NORWOOD BENEFIT SERVICES, INC. | 6478 LONG BREEZE ROAD ORLANDO, FL 32810 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 6.36% |
| WILLIAM RENNARD3 | 3001 ALOMA AVENUE, SUITE 116 WINTER PARK, FL 32792 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $263 | $2 | $265 | 1.31% |
| SIERRA ALVARADO3 | 700 EAGLE AVENUE LONGWOOD, FL 32750 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $238 | $0 | $238 | 1.18% |
| YESENIA A SANCHEZ3 | 1021 DELRIDGE AVENUE ORLANDO, FL 32804 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $233 | $0 | $233 | 1.15% |
| THE MEEHAN AGENCY LLC3 Filed as: THE MEEHAN AGENCY, LLC | 1924 DOWN HOLLOW LANE WINDERMERE, FL 34786 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $170 | $22 | $192 | 0.95% |
| GIOMARIS IRIZARRY-SANTIAGO3 | 14238 FREDRICKSBURG DRIVE APT 320 ORLANDO, FL 32837 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $114 | $0 | $114 | 0.56% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 312 | $700K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 483 | $44K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 483 | $44K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 382 | $37K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 382 | $37K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 312 | $700K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 382 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 483 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.