| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 W STATE RD #434 FEES PAID LONGWOOD, FL 32750 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $41K | $48K | 5.44% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE ROAD 434 LONGWOOD, FL 327505069 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $5K | $15K | 17.07% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC. | 1855 W. STATE ROAD 434 LONGWOOD, FL 32750 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $229 | $1K | 16.44% |
| VIVIAN PLETZKE3 | 1057 HILLSBORO MILE HILLSBORO BEACH, FL 33062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $508 | $22 | $530 | 6.40% |
| WORKSITE BENEFITS SOLUTION LLC3 Filed as: WORKSITE BENEFIT SOLUTION LLC | 323 PLEASANT STREET KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $247 | $74 | $321 | 3.87% |
| SARAH WEYMOUTH3 | 306 MAPLE AVENUE KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $193 | $79 | $272 | 3.28% |
| OMAR ENRIQUE FIGUEROA3 | 3424 DOUGLAS CT. KISSIMMEE, FL 34746 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $96 | $11 | $107 | 1.29% |
| CALVON Y BUCZKOWSKI3 Filed as: CALVON Y. BUCZKOWSKI | 2608 TALL MAPLE LOOP OCOEE, FL 34761 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | $37 | $82 | 0.99% |
| CREATIVE BENEFIT CONSULTANTS INC3 Filed as: CREATIVE BENEFIT CONSULTANTS INC. | 18214 102ND WAY S BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | $26 | $65 | 0.78% |
| JENNIFER WEYMOUTH RESMONDO3 | 2940 OAKTREE DRIVE KISSIMME, FL 347441365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | $3 | $64 | 0.77% |
| TILTON ASSOCIATES INC3 Filed as: TILTON ASSOCIATES INC. | 4141 NW 10TH STREET COCONUT CREEK, FL 33066 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | $23 | $61 | 0.74% |
| GINAKES & ASSOCIATES LLC3 | 1020 W. INTERNATIONAL SPEEDWAY DAYTONA BEACH, FL 32114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.22% |
| RENEE SESSIONS WILLIAMS3 | 1310 HIGHLAND CIRCLE KISSIMMEE, FL 34744 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.12% |
| JOSEPH WILLIAM BAKER3 | 12975 SW 190 TERR. MIAMI, FL 33177 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.10% |
| CARUSO INSURANCE BENEFITS INC3 Filed as: CARUSO INSURANCE BENEFITS INC. | 10872 WILDERNESS CT. ORLANDO, FL 32821 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.07% |
| B & B INSURANCE SOLUTIONS INC3 Filed as: B & B INSURANCE SOLUTIONS INC. | 14716 SW 112 TERRACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.05% |
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 | 203 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 378 | $882K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 378 | $882K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 378 | $882K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 204 | $87K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 204 | $87K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 204 | $87K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 204 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 378 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.