| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 4221 WEST BOY SCOUT BOULEVARD SUITE 550 TAMPA, FL 33607 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | $144K | $154K | 2.14% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST, LLC | 4211 W. BOY SCOUT BLVD. SUITE 800 TAMPA, FL 33607 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $58K | $62K | 0.87% |
| LOCKTON COMPANIES, LLC3 | 649 FIFTH AVE SOUTH #204 NAPLES, FL 34102 | STANDARD INSURANCE COMPANY | $39K | $20K | $59K | 9.93% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST LLC | 4211 W. BOY SCOUT BLVD. STE 800 TAMPA, FL 33607 | STANDARD INSURANCE COMPANY | $19K | — | $19K | 3.23% |
| PAYLOCITY CORPORATION3 | PO BOX 711, C5 PORTLAND, OR 97207 | STANDARD INSURANCE COMPANY | — | -$14K | -$14K | -2.32% |
| WORKSITE AMERICA LLC3 | 14141 46TH STREET NORTH SUITE 1209 CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 10.05% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD ATLANTA, GA 30305 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 7.32% |
| HEIDI S WEISHAUPT3 Filed as: HEIDI S. WEISHAUPT | 4520 29TH AVENUE CIRCLE EAST PALMETTO, FL 34221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 5.26% |
| BENEFIT RESOURCE GROUP LLC3 Filed as: THE BENEFIT RESOURCE | 4411 BEE RIDGE ROAD SARASOTA, FL 34233 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $809 | — | $809 | 1.64% |
| PATRICIA M CARDUCCI3 Filed as: PATRICIA M. CARDUCCI | 4784 SIMCOE STREET PALM HARBOR, FL 34683 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $512 | $22 | $534 | 1.08% |
| RJK & ASSOCIATES INC3 Filed as: RJK & ASSOCIATES AND OTHER AGENTS | 777 DREWRY STREET NE ATLANTA, GA 30306 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $136 | $4 | $140 | 0.28% |
| SHIRLEY B DRAKE3 Filed as: SHIRLEY B. DRAKE | 14141 46TH STREET NORTH SUITE 1209 CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $130 | $2 | $132 | 0.27% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST LLC | 4211 W. BOY SCOUT BLVD. TAMPA, FL 33607 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | — | $49 | 0.10% |
| FLORIDA PROTECTION CENTER LLC3 | 788 ARABIA RD. SE PALM BAY, FL 32909 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.04% |
| COACH CONCEPTS INC3 Filed as: COACH CONCEPTS INC. | 4750 HURON ROAD ST. PETERSBURG, FL 33708 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
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 | 444 | 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) | 444 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 820 | $7.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 820 | $7.2M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 820 | $7.2M |
| Life insurance | STANDARD INSURANCE COMPANY | 474 | $593K |
| Short-term disability | STANDARD INSURANCE COMPANY | 474 | $593K |
| Long-term disability | STANDARD INSURANCE COMPANY | 474 | $593K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 474 | $643K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 820 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.