| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CARLA LOOPER3 | 23363 JACOBSON ROAD BROOKSVILLE, FL 34601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21K | — | $21K | 11.29% |
| RICHARD P MACKIEWICZ3 | 4809 EHRLICH RD #104 TAMPA, FL 33624 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 3.40% |
| AIMEE BRANDON3 Filed as: AIMEE Z BRANDON | 28322 OPEN FIELD LOOP WESLEY CHAPEL, FL 33543 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.89% |
| KATHRYN SUZANNE AXENTE3 Filed as: KATHRYN S AXENTE | 7020 PELICAN ISLAND TAMPA, FL 33634 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.68% |
| ALLTRUST INSURANCE3 | 2965 ALT 19 PALM HARBOR, FL 34683 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.01% |
| CARLA LOOPER3 Filed as: CARLA L LOOPER | 1083 PONCE DE LEON BLVD BROOKSVILLE, FL 34601 | HUMANA INSURANCE COMPANY | $9K | $2K | $11K | 12.44% |
| CARLA LOOPER4 Filed as: CARLA L LOOPER | PO BOX 10357 BROOKSVILLE, FL 34603 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $912 | — | $912 | 10.06% |
| LAMSON CONSULTING GROUP LLC4 | 1038 SHENANDOAH LN SPRING HILL, FL 34606 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $901 | — | $901 | 9.94% |
| EDWARD L CHESTER4 | P.O. BOX 10152 BROOKSVILLE, FL 34603 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $32 | — | $32 | 0.35% |
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 | 1,037 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,059 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONTINENTAL AMERICAN INSURANCE COMPANY | 936 | $190K |
| Vision | HUMANA INSURANCE COMPANY | 681 | $91K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 1,509 | $519K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,509 | $519K |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,509 | $719K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,509 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.