| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $26K | $2K | $28K | 16.39% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $0 | $5K | 3.25% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY | 225 KENNETH DRIVE ROCHESTER, NY 14623 | RENAISSANCE LIFE AND HEALTH INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 8.51% |
| NICO GIANFRATE3 | 4520 PORTOFINO WAY WEST PALM BEACH, FL 33409 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $1K | $2K | 19.80% |
| TAMMY PARDUBA3 | 6701 SE LILLIAN COURT STUART, FL 34997 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $525 | $2K | $2K | 18.84% |
| MELZER SUPPLEMENTAL BENEFITS INC3 Filed as: MELZER SUPPLEMENTAL BENEFITS | 4801 1/2 ELM AVE FORT PIERCE, FL 34982 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $949 | $2K | 16.18% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 14.86% |
| AMBER ROSE STRAND3 | 1162 NW 15TH TERRACE STUART, FL 34994 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $807 | $272 | $1K | 8.84% |
| LYNN MARIE BARRY3 | 301 W PARK AVE LANGHORNE, PA 19047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $521 | $296 | $817 | 6.69% |
| MICHAEL MARSHALL3 | 1134 SE 6TH COURT DANIA BEACH, FL 33004 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $243 | $215 | $458 | 3.75% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERS LL | 4211 W BOY SCOUT BLVD TAMPA, FL 33607 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $420 | $0 | $420 | 3.44% |
| GABRIEL A ELIJACH3 Filed as: GABRIEL ELIJACH | 12781 SW 65 STREET MIAMI, FL 33183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $128 | $46 | $174 | 1.43% |
| PEACOCK FINANCIALS INC3 | 11830 NW 32ND MNR SUNRISE, FL 33323 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $18 | $29 | 0.24% |
| MARIELENA HERRERA3 | 10920 NW 67TH STREET DORAL, FL 33178 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $1 | $12 | 0.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIMS PROCESSING | Non-monetary compensation; Named fiduciary; Participant communication; Float revenue; Direct payment from the plan; Contract Administrator; Other services; Claims processing Service code 12 | — | $519 |
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 | 91 | 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) | 91 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 55 | $168K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 55 | $168K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 55 | $168K |
| Life insurance | RENAISSANCE LIFE AND HEALTH INSURANCE COMPANY OF AMERICA | 91 | $33K |
| Short-term disability | RENAISSANCE LIFE AND HEALTH INSURANCE COMPANY OF AMERICA | 91 | $33K |
| Long-term disability | RENAISSANCE LIFE AND HEALTH INSURANCE COMPANY OF AMERICA | 91 | $33K |
| Other(2 contracts, 2 carriers) | RENAISSANCE LIFE AND HEALTH INSURANCE COMPANY OF AMERICA | 91 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 91 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.