| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BAGGETT FINANCIAL SERVICES LLC3 | 523 N HALIFAX AVE DAYTONA BEACH, FL 32118 | GUARDIAN LIFE INSURANCE COMPANY | $23K | $0 | $23K | 12.96% |
| BURCH BAGGETT3 | 523 NORTH HALIFAX AVENUE DAYTONA BEACH, FL 32118 | AMFIRST | $13K | $0 | $13K | 10.00% |
| MORGAN WHITE LIMITED3 | PO BOX 14067 JACKSON, MS 39236 | AMFIRST | $7K | $0 | $7K | 5.00% |
| JAMIE A CONTRERAS-VESTAL3 | P.O. BOX 1240 DELAND, FL 32721 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16K | $4K | $20K | 17.50% |
| GINAKES & ASSOCIATES LLC3 | 1020 W INTERNATIONAL SPEEDWAY DAYTONA BEACH, FL 32114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $4K | $10K | 8.54% |
| BURCH BAGGETT3 Filed as: BURCH MARSHALL BAGGETT | 523 N HALIFAX AVE DAYTONA BEACH, FL 32118 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $0 | $9K | 8.17% |
| ASHLEY MALTOS-MORALES3 | 650 NE HOLLADAY ST PORTLAND, OH 97232 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 1.95% |
| GABRIEL ANGEL CANALS3 | 1329 NE 236TH AVE WOOD VILLAGE, OH 97060 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $531 | $1K | $2K | 1.65% |
| ODESSA PAULA3 | 650 NE HOLLADAY ST PORTLAND, OR 97232 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 1.60% |
| WORKSITE BENEFITS GROUP INC3 | 112 NW 114TH ST VANCOUVER, WA 98685 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $607 | $1K | $2K | 1.52% |
| RAQUEL LOSADA MONROY3 | 817 NE DELP ROAD CAMAS, WA 98607 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $306 | $2K | 1.40% |
| WESLEY BLAKE BETZ3 | P.O. BOX 735 FOREST GROVE, OR 97116 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $465 | $2K | 1.35% |
| RONALD JONES3 | 320 NANCY CT MOSCOW, ID 83843 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $694 | $361 | $1K | 0.92% |
| MELODY ANN OVERLAND3 | 7009 WEST MCMAHON WAY PEORIA, AZ 98501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $420 | $46 | $466 | 0.41% |
| TIMOTHY CAMARATA3 | 3576 N. SHADOW CT COEUR D ALENE, ID 83815 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $456 | $0 | $456 | 0.40% |
| KURZ & VALDEZ BENEFIT ENROLLMENT SO3 | 8601 N BLACK CANYON HWY PHEONIX, AZ 85201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | $114 | $155 | 0.14% |
| MARIA LOZANO3 | 860 N. MCQUEEN RD UNIT 1127 CHANDLER, AZ 85225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $145 | $3 | $148 | 0.13% |
| EDUARDO BARAJAS3 | 3532 W GLASS LN PHEONIX, AZ 85041 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $93 | $0 | $93 | 0.08% |
| JASON JONES3 | 23 PASTO RICO RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | $0 | $82 | 0.07% |
| MEGAN ELIZABETH CASTO3 | P.O. BOX 100195 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | $29 | $81 | 0.07% |
| ANNALISA MARIE KURZ3 | 8601 N BLACK CANYON HWY PHEONIX, AZ 85201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | $17 | $71 | 0.06% |
| ZACHAREE KEITH SIAHPUSH3 | 4412 RENTON AVE S SEATTLE, WA 98108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | $8 | $60 | 0.05% |
| STEVEN ROBERT KURZ3 | 14640 N 90TH DR PEORIA, AZ 85381 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $13 | $20 | 0.02% |
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 | 183 | 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) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 232 | $1.4M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 450 | $177K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 450 | $177K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 450 | $177K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 200 | $114K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 450 | $177K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 232 | $1.4M |
| Other(3 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 450 | $423K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 450 | — |
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.