| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOPEZ CESAR3 | 8950 SOUTHWEST 74TH COURT FLOOR 24 MIAMI, FL 33156 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | SUITE 1000 4211 WEST BOY SCOUT BOULEVARD TAMPA, FL 33607 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 4.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SERVICES OF GA INC | 1 GLENLAKE PARKWAY 11TH FLOOR ATLANTA, GA 30328 | HUMANA INSURANCE COMPANY | — | $229 | $229 | 1.00% |
| ROGER BOUCHARD INSURANCE INC3 | PO BOX 6090 CLEARWATER, FL 33758 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $779 | $218 | $997 | 11.90% |
| WORKSITE AMERICA LLC3 | 14141 46TH STREET NORTH CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $275 | $135 | $410 | 4.89% |
| DAVID CHRISTOPHER NUNES3 | 11725 SOUTHWEST 132 COURT MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $292 | $9 | $301 | 3.59% |
| B & B INSURANCE SOLUTIONS INC3 Filed as: B&B INSURANCE SOLUTIONS INC. | 14716 SOUTHWEST 112 TERRACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $95 | $125 | $220 | 2.63% |
| ESSENTIAL BENEFITS LLC3 | 8421 SOUTHWEST 124 AVENUE MIAMI, FL 33183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $80 | $3 | $83 | 0.99% |
| JARRET THOMAS HONAHAN3 | 7 HARBOR OAKS CIRCLE SAFETY HARBOR, FL 34695 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | $10 | $66 | 0.79% |
| SUSANNE PAPA3 | 4750 STONEVIEW CIRCLE OLD SMAR, FL 34677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | $14 | $60 | 0.72% |
| ELIZABETH SANGUILY3 Filed as: ELIZABETH SANGUILY CANTIZANO | 8421 SOUTHWEST 124TH AVENUE MIAMI, FL 33183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | $3 | $54 | 0.64% |
| MARIO P CASERTA3 | 12531 SOUTHWEST 112 AVENUE MIAMI, FL 33176 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | $0 | $44 | 0.53% |
| CORCORAN & HOYT LLC3 | 206 3RD AVENUE NORTH SAFETY HARBOR, FL 34695 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 0.47% |
| PAMELA EISELE FAZIO3 | 301 CAMBRIDGE ROAD HOLLYWOOD, FL 33024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $1 | $20 | 0.24% |
| JORGE MARTINEZ3 | 2030 SOUTH OCEAN DRIVE HALLANDALE, FL 33009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.14% |
| LUIS JOSE SOTO JR3 | 9369 SOUTHWEST 224 TERRACE CUTLER BAY, FL 33190 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.13% |
| SHIRLY B DRAKE3 | 14141 46TH STREET NORTH CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $2 | $6 | 0.07% |
| CHERYL ANN GILES3 | 9100 9TH STREET NORTH ST PETERSBURG, FL 33702 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORDIA, INC | 4880 WEST NEWBERRY ROAD SUITE 100 GAINESVILLE, FL 32607 | ADVANTICA, INC | $123 | — | $123 | 5.01% |
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 | 155 | 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) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 69 | $23K |
| Vision | ADVANTICA, INC | 107 | $2K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 155 | $36K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 155 | $36K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 155 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.