| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 | 2056 VISTA PARKWAY SUITE 350 WEST PALM BEACH, FL 33411 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $334K | $334K | 3.33% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | DELTA DENTAL INSURANCE COMPANY | $46K | — | $46K | 10.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | DELTA DENTAL INSURANCE COMPANY | $4K | — | $4K | 0.80% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 2056 VISTA PKWY STE 350 WEST PALM BEACH, FL 33411 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $24K | — | $24K | 10.00% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 WEST STATE RD 434 LONGWOOD, FL 32750 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $7K | $7K | 3.01% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 2056 VISTA PKWY STE 350 WEST PALM BEACH, FL 33411 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | — | $17K | 10.00% |
| FMLASOURCE INC5 | 455 N CITYFRONT PLZ DR 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $12K | $12K | 7.38% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 WEST STATE RD 434 LONGWOOD, FL 32750 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 2.68% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 2056 VISTA PKWY STE 350 WEST PALM BEACH, FL 33411 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | — | $16K | 10.00% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 WEST STATE RD 434 LONGWOOD, FL 32750 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 2.32% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC. | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $12K | — | $12K | 10.00% |
| AMERICAN INS PLUS LLC3 | 8143 BAUTISTA WAY PALM BEACH GARDENS, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 6.00% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 4.00% |
| AMERICAN INS PLUS LLC3 | 8143 BAUTISTA WAY PALM BEACH GARDENS, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 8.55% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 6.78% |
| PLETZKE VIVIAN3 | 9822 FOREST RUN LANE CHARLOTTE, NC 28277 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $725 | — | $725 | 0.74% |
| ROLDAN RACQUEL ANN3 | PO BOX 784312 WINTER GARDEN, FL 34778 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $166 | — | $166 | 0.17% |
| DEMARCADO JUDITH3 | 5634 NW 16 STREET FORT LAUDERDALE, FL 33314 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $131 | — | $131 | 0.13% |
| SEABASS FINL CORP3 | 17145 N BAY ROAD APT 4512 SUNNY ISLES BEACH, FL 33160 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $94 | — | $94 | 0.10% |
| BEJARANO DORIS JUDITH3 | 2114 N FLAMINGO RD #190 APT 501 PEMBROKE PINES, FL 33028 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $82 | — | $82 | 0.08% |
| SCOTT JAMES RUSSELL3 | 855 MADISON CT PALM BEACH GARDENS, FL 33410 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $68 | — | $68 | 0.07% |
| TURNER FELTON E3 | 8464 VICKERS ROAD HAHIRA, GA 31632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $62 | — | $62 | 0.06% |
| HUDOCK EUGENE3 | 36380 CHURCHILL DRIVE SOLON, OH 44139 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $52 | — | $52 | 0.05% |
| NADDY CHRISTEN DANIELLE3 | 549 NW AZALEA AVE PORT SAINT LUCIE, FL 34983 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $38 | — | $38 | 0.04% |
| TOWE-WIGGINS LISA ANN3 | 7118 FORTY BANKS ROAD HARMONY, FL 34773 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $35 | — | $35 | 0.04% |
| MORRIS NADINE3 | 7153 WISTERIA WAY TAMARAC, FL 33321 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $29 | — | $29 | 0.03% |
| BOSTON THOMAS W3 | 1275 W MAPLE ST HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| JADUSINGH OLIVIA3 | 128 LAKESIDE CIR JUPITER, FL 33458 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | DELTA DENTAL INSURANCE COMPANY | $609 | — | $609 | 1.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | DELTA DENTAL INSURANCE COMPANY | $485 | — | $485 | 0.80% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 2056 VISTA PKWY STE 350 WEST PALM BEACH, FL 33411 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 WEST STATE RD 434 LONGWOOD, FL 32750 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.29% |
| AMERICAN INS PLUS LLC3 | 8143 BAUTISTA WAY PALM BEACH GARDENS, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 11.17% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 7.55% |
| PLETZKE VIVIAN3 | 9822 FOREST RUN LANE CHARLOTTE, NC 28277 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $95 | — | $95 | 0.23% |
| SEABASS FINL CORP3 | 17145 N BAY ROAD APT 4512 SUNNY ISLES BEACH, FL 33160 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.04% |
| ROLDAN RACQUEL ANN3 | PO BOX 784312 WINTER GARDEN, FL 34778 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.03% |
| TOWE-WIGGINS LISA ANN3 | 7118 FORTY BANKS ROAD HARMONY, FL 34773 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.02% |
| SCOTT JAMES RUSSELL3 | 855 MADISON CT PALM BEACH GARDENS, FL 33410 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| DEMERCADO JUDITH3 | 5634 NW 16 STREET FORT LAUDERDALE, FL 33314 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| NADDY CHRISTEN DANIELLE3 | 549 NW AZALEA AVE PORT SAINT LUCIE, FL 34983 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| BEJARANO DORIS JUDITH3 | 2114 N FLAMINGO RD #190 APT 501 PEMBROKE PINES, FL 33028 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| HUDOCK EUGENE3 | 36380 CHURCHILL DRIVE SOLON, OH 44139 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| TURNER FELTON E3 | 8464 VICKERS ROAD HAHIRA, GA 31632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| MORRIS NADINE3 | 7153 WISTERIA WAY TAMARAC, FL 33321 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| BOSTON THOMAS W3 | 1275 W MAPLE ST HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| AMERICAN INS PLUS LLC3 | 8143 BAUTISTA WAY PALM BEACH GARDENS, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 4.65% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $992 | — | $992 | 4.36% |
| PLETZKE VIVIAN3 | 9822 FOREST RUN LANE CHARLOTTE, NC 28277 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $206 | — | $206 | 0.91% |
| SEABASS FINL CORP3 | 17145 N BAY ROAD APT 4512 SUNNY ISLES BEACH, FL 33160 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $48 | — | $48 | 0.21% |
| BEJARANO DORIS JUDITH3 | 2114 N FLAMINGO RD #190 APT 501 PEMBROKE PINES, FL 33028 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $46 | — | $46 | 0.20% |
| SCOTT JAMES RUSSELL3 | 855 MADISON CT PALM BEACH GARDENS, FL 33410 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $36 | — | $36 | 0.16% |
| DEMERCADO JUDITH3 | 5634 NW 16 STREET FORT LAUDERDALE, FL 33314 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $36 | — | $36 | 0.16% |
| TURNER FELTON E3 | 8464 VICKERS ROAD HAHIRA, GA 31632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $31 | — | $31 | 0.14% |
| ROLDAN RACQUEL ANN3 | PO BOX 784312 WINTER GARDEN, FL 34778 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.07% |
| HUDOCK EUGENE3 | 36380 CHURCHILL DRIVE SOLON, OH 44139 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.07% |
| NADDY CHRISTEN DANIELLE3 | 549 NW AZALEA AVE PORT SAINT LUCIE, FL 34983 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.04% |
| TOWE-WIGGINS LISA ANN3 | 7118 FORTY BANKS ROAD HARMONY, FL 34773 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.04% |
| BOSTON THOMAS W3 | 1275 W MAPLE ST HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| AMERICAN INS PLUS LLC3 | 8143 BAUTISTA WAY PALM BEACH GARDENS, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 19.86% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 15.72% |
| PLETZKE VIVIAN3 | 9822 FOREST RUN LANE CHARLOTTE, NC 28277 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $328 | — | $328 | 3.71% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 2056 VISTA PKWY STE 350 WEST PALM BEACH, FL 33411 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $817 | — | $817 | 10.00% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 WEST STATE RD 434 LONGWOOD, FL 32750 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $346 | $346 | 4.23% |
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 | 1,400 | 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) | 1,410 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,459 | $10.0M |
| Dental(2 contracts) | DELTA DENTAL INSURANCE COMPANY | 1,390 | $517K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 868 | $118K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,400 | $230K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,400 | $236K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 441 | $166K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,459 | $10.0M |
| Other(8 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,400 | $653K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,459 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.