| 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 | — | $253K | $253K | 2.62% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | DELTA DENTAL INSURANCE COMPANY | $55K | — | $55K | 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 | $17K | — | $17K | 3.00% |
| 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 | $30K | — | $30K | 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 | — | $11K | $11K | 3.80% |
| 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 | $23K | — | $23K | 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 | — | $8K | $8K | 3.45% |
| 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 | $22K | — | $22K | 10.00% |
| FMLASOURCE INC5 | 455 N CITYFRONT PLZ DR 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $16K | $16K | 7.22% |
| 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 | — | $8K | $8K | 3.66% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC. | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | — | $14K | 9.84% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35 SUITE 368 BELMAR, NJ 07719 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 2.26% |
| AMERICAN INS PLUS LLC3 | 8143 BAUTISTA WAY PALM BEACH GARDENS, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 5.99% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 3.99% |
| AMERICAN INS PLUS LLC3 | 8143 BAUTISTA WAY PALM BEACH GARDENS, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 9.03% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 6.74% |
| PLETZKE VIVIAN3 | 9822 FOREST RUN LANE CHARLOTTE, NC 28277 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $314 | — | $314 | 0.36% |
| ROLDAN RACQUEL ANN3 | 633 BONSAI STREET APOPKA, FL 32703 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $121 | — | $121 | 0.14% |
| DEMERCADO JUDITH3 | 5634 NW 16 STREET FORT LAUDERDALE, FL 33314 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $102 | — | $102 | 0.12% |
| SEABASS FINL CORP3 | 17145 N BAY ROAD APT 4512 SUNNY ISLES BEACH, FL 33160 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $71 | — | $71 | 0.08% |
| BEJARANO DORIS JUDITH3 | 2114 N FLAMINGO RD #190 APT 501 PEMBROKE PINES, FL 33028 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $59 | — | $59 | 0.07% |
| SCOTT JAMES RUSSELL3 | 855 MADISON CT PALM BEACH GARDENS, FL 33410 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $49 | — | $49 | 0.06% |
| TURNER FELTON E3 | 8464 VICKERS ROAD HAHIRA, GA 31632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $49 | — | $49 | 0.06% |
| HUDOCK EUGENE3 | 36380 CHURCHILL DRIVE SOLON, OH 44139 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $41 | — | $41 | 0.05% |
| TOWE-WIGGINS LISA ANN3 | 7118 FORTY BANKS ROAD HARMONY, FL 34773 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26 | — | $26 | 0.03% |
| NADDY CHRISTEN DANIELLE3 | 549 NW AZALEA AVE PORT SAINT LUCIE, FL 34983 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26 | — | $26 | 0.03% |
| MORRIS NADINE3 | 7153 WISTERIA WAY TAMARAC, FL 33321 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19 | — | $19 | 0.02% |
| BOSTON THOMAS W3 | 139 MARKET AVE NE HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| JADUSINGH OLIVIA3 | 128 LAKESIDE CIR JUPITER, FL 33458 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| 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 | $2K | — | $2K | 3.00% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | DELTA DENTAL INSURANCE COMPANY | $804 | — | $804 | 1.00% |
| 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 | $7K | — | $7K | 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 | — | $3K | $3K | 4.05% |
| BARRY OLFERN AND ASSOC. INC4 Filed as: BARRY OLFERN AND ASSOC INC | 954 TYLER ST HOLLYWOOD, FL 33019 | LEGALSHIELD | $7K | — | $7K | 15.02% |
| INSURANCE OFFICE OF AMERICA4 Filed as: INSURANCE OFFICE OF AMERICA INC | 2056 VISTA PKWY STE 350 WEST PALM BEACH, FL 33411 | LEGALSHIELD | $2K | — | $2K | 5.06% |
| ELEVATION ECONOMICS LLC4 | 11 SHERRINGTON DR ORMOND BEACH, FL 32174 | LEGALSHIELD | $86 | — | $86 | 0.19% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: MARSH & MCLENNAN AGENCY | 9850 NW 41ST ST STE 100 DORAL, FL 33178 | LEGALSHIELD | $24 | — | $24 | 0.05% |
| AMERICAN INS PLUS LLC3 | 8143 BAUTISTA WAY PALM BEACH GARDENS, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 11.84% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | PO BOX 162297 ALTAMONTE SPRINGS, FL 32716 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 7.73% |
| SEABASS FINL CORP3 | 17145 N BAY ROAD APT 4512 SUNNY ISLES BEACH, FL 33160 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.02% |
| NADDY CHRISTEN DANIELLE3 | 549 NW AZALEA AVE PORT SAINT LUCIE, FL 34983 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| AMERICAN INS PLUS LLC3 | 8143 BAUTISTA WAY PALM BEACH GARDENS, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $735 | — | $735 | 4.12% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $703 | — | $703 | 3.94% |
| PLETZKE VIVIAN3 | 9822 FOREST RUN LANE CHARLOTTE, NC 28277 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $135 | — | $135 | 0.76% |
| SEABASS FINL CORP3 | 17145 N BAY ROAD APT 4512 SUNNY ISLES BEACH, FL 33160 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $39 | — | $39 | 0.22% |
| BEJARANO DORIS JUDITH3 | 2114 N FLAMINGO RD #190 APT 501 PEMBROKE PINES, FL 33028 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $39 | — | $39 | 0.22% |
| DEMERCADO JUDITH3 | 5634 NW 16 STREET FORT LAUDERDALE, FL 33314 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $29 | — | $29 | 0.16% |
| TURNER FELTON E3 | 8464 VICKERS ROAD HAHIRA, GA 31632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25 | — | $25 | 0.14% |
| SCOTT JAMES RUSSELL3 | 855 MADISON CT PALM BEACH GARDENS, FL 33410 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24 | — | $24 | 0.13% |
| HUDOCK EUGENE3 | 36380 CHURCHILL DRIVE SOLON, OH 44139 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.08% |
| ROLDAN RACQUEL ANN3 | 633 BONSAI STREET APOPKA, FL 32703 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.07% |
| NADDY CHRISTEN DANIELLE3 | 549 NW AZALEA AVE PORT SAINT LUCIE, FL 34983 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.04% |
| TOWE-WIGGINS LISA ANN3 | 7118 FORTY BANKS ROAD HARMONY, FL 34773 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.04% |
| BOSTON THOMAS W3 | 139 MARKET AVE NE HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| 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 | $831 | — | $831 | 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 | — | $400 | $400 | 4.81% |
| AMERICAN INS PLUS LLC3 | 8143 BAUTISTA WAY PALM BEACH GARDENS, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $401 | — | $401 | 6.76% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $273 | — | $273 | 4.60% |
| PLETZKE VIVIAN3 | 9822 FOREST RUN LANE CHARLOTTE, NC 28277 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.13% |
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 | 1,655 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,662 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,645 | $9.7M |
| Dental(2 contracts) | DELTA DENTAL INSURANCE COMPANY | 2,616 | $633K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,542 | $142K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,655 | $295K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,654 | $298K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 573 | $241K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,645 | $9.7M |
| Other(9 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,655 | $823K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,616 | — |
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."
No prospect flags tripped on this filing.