| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA WPB | 2056 VISTA PKWY SUITE 350 WEST PALM BEACH, FL 33411 | HUMANA INSURANCE COMPANY | $153K | — | $153K | 5.70% |
| INSURANCE OFFICE OF AMERICA ONTARIO3 Filed as: INSURANCE OFFICE OF AMERICA - TAMPA | 1855 WEST STATE STE ROAD 434 SUITE 200 LONGWOOD, FL 327505069 | HUMANA INSURANCE COMPANY | — | $3K | $3K | 0.09% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 2056 VISTA PKWY STE 350 WEST PALM BEACH, FL 33411 | AMERICAN UNITED LIFE INSURANCE COMPANY | $17K | $3K | $20K | 12.39% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 9.79% |
| AMERICAN INS PLUS LLC3 | 8131 BAUTISTA WAY PALM BEACH GARDEN, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 9.47% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 4.15% |
| AMERICAN INS PLUS LLC3 | 8131 BAUTISTA WAY PALM BEACH, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 4.11% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 2.66% |
| PLETZKE VIVIAN3 Filed as: PLETZKE SOLUTIONS LLC | 6725 COURTNEY CREEK DRIVE #3002 CHARLOTTE, NC 28217 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 2.33% |
| AMERICAN INS PLUS LLC3 | 8131 BAUTISTA WAY PALM BEACH GARDEN, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 2.30% |
| RACQUEL ANN ROLDAN3 | PO BOX 784312 WINTER GARDEN, FL 34778 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $660 | — | $660 | 0.87% |
| PLETZKE VIVIAN3 Filed as: PLETZKE SOLUTIONS LLC | 6725 COURTNEY CREEK DRIVE #3002 CHARLOTTE, NC 28217 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $599 | — | $599 | 0.79% |
| PLETZKE VIVIAN3 Filed as: PLETZKE SOLUTIONS LLC | 6725 COURTNEY CREEK DRIVE #3002 CHARLOTTE, NC 28217 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $509 | — | $509 | 0.67% |
| SEABASS FINL CORP3 | 17145 N BAY ROAD APT 4512 SUNNY ISLES BEACH, FL 33160 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $414 | — | $414 | 0.54% |
| DORIS JUDITH BEJARANO3 | 3601 NE 207 STREET APT 1103 AVENTURA, FL 33180 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $393 | — | $393 | 0.52% |
| JUDITH DEMERCADO3 | 5634 NW 16 STREET FORT LAUDERDALE, FL 33314 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $336 | — | $336 | 0.44% |
| JAMES RUSSELL SCOTT3 | 855 MADISON COURT PALM BEACH GARDENS, FL 33410 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $310 | — | $310 | 0.41% |
| DORIS JUDITH BEJARANO3 | 3601 NE 207 STREET APT 1103 AVENTURA, FL 33180 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $266 | — | $266 | 0.35% |
| SEABASS FINL CORP3 | 17145 N BAY ROAD APT 4512 SUNNY ISLES BEACH, FL 33160 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $243 | — | $243 | 0.32% |
| RACQUEL ANN ROLDAN3 | PO BOX 784312 WINTER GARDEN, FL 34778 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $226 | — | $226 | 0.30% |
| RACQUEL ANN ROLDAN3 | PO BOX 784312 WINTER GARDEN, FL 34778 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $225 | — | $225 | 0.29% |
| JAMES RUSSELL SCOTT3 | 855 MADISON COURT PALM BEACH GARDENS, FL 34778 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $193 | — | $193 | 0.25% |
| JAMES RUSSELL SCOTT3 | 8556 MADISON COURT PALM BEACH GARDENS, FL 33410 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $183 | — | $183 | 0.24% |
| SEABASS FINL CORP3 | 17145 N BAY ROAD APT 4512 SUNNY USLES BEACH, FL 33160 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $145 | — | $145 | 0.19% |
| JUDITH DEMERCADO3 | 5634 NW 16 STREET FORT LAUDERDALE, FL 33314 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $123 | — | $123 | 0.16% |
| JUDITH DEMERCADO3 | 5634 NW 16 STREET FORT LAUDERDALE, FL 33314 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $109 | — | $109 | 0.14% |
| DORIS JUDITH BEJARANO3 | 3601 NE 207 STREET APT 1103 AVENTURA, FL 33180 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $99 | — | $99 | 0.13% |
| OLIVIA JADUSINGH3 | 17368 SE CONCH BAR AVE TEQUESTA, FL 33469 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $56 | — | $56 | 0.07% |
| AMERICAN INS PLUS LLC3 | 8131 BAUTISTA WAY PALM BEACH GARDEN, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 5.92% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC. | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 3.95% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICAN | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 9.07% |
| AMERICAN INS PLUS LLC3 | 8131 BAUTISTA WAY PALM BEACH GARDEN, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 8.08% |
| AMERICAN INS PLUS LLC3 | 8131 BAUTISTA WAY PALM BEACH GARDEN, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 4.94% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 4.82% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 4.26% |
| AMERICAN INS PLUS LLC3 | 8131 BAUTISTA WAY PALM BEACH GARDEN, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $819 | — | $819 | 2.69% |
| PLETZKE VIVIAN3 Filed as: PLETZKE SOLUTIONS LLC | 6725 COURTNEY CREEK DRIVE #3002 CHARLOTTE, NC 28217 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $559 | — | $559 | 1.83% |
| PLETZKE VIVIAN3 Filed as: PLETZKE SOLUTIONS LLC | 6725 COURTNEY CREEK DRIVE #3002 CHARLOTTE, NC 28217 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $541 | — | $541 | 1.77% |
| FELTON EUGENE TURNER3 Filed as: FELTON E TURNER | 8464 VICKERS ROAD HAHIRA, GA 31632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $411 | — | $411 | 1.35% |
| LISA ANN TOWE-WIGGINS3 | 7118 FORTY BANKS ROAD HARMONY, FL 34773 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $396 | — | $396 | 1.30% |
| PLETZKE VIVIAN3 Filed as: PLETZKE SOLUTIONS LLC | 6725 COURTNEY CREEK DRIVE #3002 CHARLOTTE, NC 28217 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $315 | — | $315 | 1.03% |
| LISA ANN TOWE-WIGGINS3 | 7118 FORTY BANKS ROAD HARMONY, FL 34773 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $257 | — | $257 | 0.84% |
| RACQUEL ANN ROLDAN3 | PO BOX 784312 WINTER GARDEN, FL 34778 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $232 | — | $232 | 0.76% |
| FELTON EUGENE TURNER3 Filed as: FELTON E TURNER | 8464 VICKERS ROAD HAHIRA, GA 31632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $230 | — | $230 | 0.75% |
| FELTON EUGENE TURNER3 Filed as: FELTON E TURNER | 8464 VICKERS ROAD HAHIRA, GA 31632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $227 | — | $227 | 0.74% |
| LISA ANN TOWE-WIGGINS3 | 7118 FORTY BANKS ROAD HARMONY, FL 34773 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $147 | — | $147 | 0.48% |
| RACQUEL ANN ROLDAN3 | PO BOX 784312 WINTER GARDEN, FL 34778 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $76 | — | $76 | 0.25% |
| AMERICAN INS PLUS LLC3 | 8131 BAUTISTA WAY PALM BEACH GARDEN, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 6.00% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC. | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $795 | — | $795 | 4.00% |
| MICHAEL MARSHALL3 | 1134 SE 6TH COURT DANIA BEACH, FL 33004 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $222 | $356 | $578 | 10.25% |
| JLB ENTERPRISES INC3 Filed as: JLB ENTERPRISES INC. | DBA SLATON INSURANCE WEST PALM BEACH, FL 33422 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $402 | — | $402 | 7.13% |
| SUNBAY CONSULTING SERVICES LLC3 | 16523 NW 5TH COURT PEMBROKE PINES, FL 33028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $288 | — | $288 | 5.11% |
| SF INSURANCE SERVICES INC3 | 118 THATCH PALM COVE BOCA RATON, FL 33432 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $89 | — | $89 | 1.58% |
| KEYES COVERAGE INC3 Filed as: KEYES COVERAGE | 5900 HIATUS ROAD TAMARAC, FL 33321 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | — | $72 | 1.28% |
| CYPRESS INSURANCE GROUP INC3 Filed as: CYPRESS INSURANCE GROUP INC. | PO DRAWER 9328 FT. LAUDERDALE, FL 33310 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | — | $46 | 0.82% |
| B & B INSURANCE SOLUTIONS INC3 | 14716 SW 112 TERRACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | — | $42 | 0.74% |
| STALTARE BENEFITS INC3 Filed as: STALTARE BENEFITS INC. | 700 E. ATLANTIC BLVD. POMPANO BEACH, FL 33060 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.35% |
| ANDREA BROWNING3 | 145 19TH AVE SE ST. PETERSBURG, FL 33705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.25% |
| JOSEPH A STALTARE3 Filed as: JOSEPH MICHAEL GANNON | 2331 SW 52ND STREET FT. LAUDERDALE, FL 33312 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.21% |
| STEPHANIE SHEPPA3 | 3687 IMPERIAL RIDGE PKWY PALM HARBOR, FL 34684 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.20% |
| CREATIVE BENEFIT CONSULTANTS INC3 Filed as: CREATIVE BENEFIT CONSULTANTS INC. | 18214 102ND WAY SOUTH BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.20% |
| LESLIE BRERETON3 | 2125 NE 63RD COURT FT LAUDERDALE, FL 33308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.20% |
| IRENE SHULGIN3 | 5720 SW 164 TERRACE SOUTH WEST RANCHES, FL 33026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.18% |
| VICKI LYNN BARKLEY3 | 1272 NW 52ND WAY DEERFIELD BEACH, FL 33442 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.18% |
| STEVEN VERMETTE INC3 Filed as: STEVEN VERMETTE INC. | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.14% |
| GINAKES & ASSOCIATES LLC3 | 1020 W INTERNATIONAL SPEEDWAY DAYTONA BEACH, FL 32114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.07% |
| SHARON R NOWELL3 | 4111 NW 9TH STREET COCONUT CREEK, FL 33066 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.05% |
| CANDICE KLEE3 | 2760 NE 16TH AVENUE POMPANO BEACH, FL 33064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.05% |
| RIAZ W RAMJATTANSINGH3 | 2001 PALM BEACH LAKES BLVD WEST PALM BEACH, FL 33409 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| MORFAR STRATEGIES INC3 Filed as: MORFAR STRATEGIES INC. | 6990 GRIFFIN ROAD DAVIE, FL 33314 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| SAUL JAKUBOWICZ3 | 1421 EAST HAWTHORNE CIRCLE HOLLYWOOD, FL 33021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| JORDANO GROUP INC3 Filed as: JORDANO GROUP INC. | 12751 ORANGE BLVD. WEST PALM BEACH, FL 33412 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| AMERICAN INS PLUS LLC3 | 8131 BAUTISTA WAY PALM BEACH GARDEN, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $677 | — | $677 | 16.18% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $466 | — | $466 | 11.14% |
| AMERICAN INS PLUS LLC3 | 8131 BAUTISTA WAY PALM BEACH GARDEN, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $267 | — | $267 | 6.38% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 19035 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $190 | — | $190 | 4.54% |
| AMERICAN INS PLUS LLC3 | 8131 BAUTISTA WAY PALM BEACH GARDEN, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $94 | — | $94 | 2.25% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $77 | — | $77 | 1.84% |
| EUGENE HUDOCK3 | 36380 CHURCHILL DRIVE SOLON, OH 44139 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | — | $21 | 0.50% |
| EUGENE HUDOCK3 | 36380 CHURCHILL DRIVE SOLON, OH 44139 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17 | — | $17 | 0.41% |
| EUGENE HUDOCK3 | 36380 CHURCHILL DRIVE SOLON, OH 44139 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.36% |
| THOMAS W BOSTON3 | 13661 MARKET AVENUE NORTH HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| THOMAS W BOSTON3 | 13661 MARKET AVENUE NORTH HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| THOMAS W BOSTON1 | 13661 MARKET AVENUE NORTH HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| AMERICAN INS PLUS LLC3 | 8131 BAUTISTA WAY PALM BEACH GARDEN, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $471 | — | $471 | 13.57% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC. | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $336 | — | $336 | 9.68% |
| AMERICAN INS PLUS LLC3 | 8131 BAUTISTA WAY PALM BEACH GARDEN, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $237 | — | $237 | 6.83% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $163 | — | $163 | 4.69% |
| AMERICAN INS PLUS LLC3 | 8131 BAUTISTA WAY PALM BEACH GARDEN, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $152 | — | $152 | 4.38% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $108 | — | $108 | 3.11% |
| JUDITH DEMERCADO3 | 5634 NW 16 STREET FORT LAUDERDALE, FL 33314 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $32 | — | $32 | 0.92% |
| JUDITH DEMERCADO3 | 5634 NW 16 STREET FORT LAUDERDALE, FL 33314 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.32% |
| JUDITH DEMERCADO3 | 5634 NW 16 STREET FORT LAUDERDALE, FL 33314 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.17% |
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 | 424 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 434 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 369 | $2.7M |
| Dental | HUMANA INSURANCE COMPANY | 369 | $2.7M |
| Vision | HUMANA INSURANCE COMPANY | 369 | $2.7M |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 416 | $167K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 416 | $167K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 416 | $162K |
| Other(8 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 416 | $373K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 416 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.