| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 W STATE ROAD 434 LONGWOOD, FL 32750 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | $100K | $109K | 4.73% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL | 3 PARKWAY N STE 500 DEERFIELD, IL 60015 | UNITEDHEALTHCARE INSURANCE COMPANY | -$18 | $509 | $491 | 0.02% |
| 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 | 2056 VISTA PKWY STE 350 WEST PALM BEACH, FL 33411 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 6.25% |
| AMERICAN INS PLUS LLC3 | 8131 BAUTISTA WAY PALM BEACH GARDEN, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 6.25% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 22.24% |
| AMERICAN INS PLUS LLC3 | 8131 BAUTISTA WAY PALM BEACH GARDEN, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 15.81% |
| JUDITH DEMERCADO3 | 5634 NW 16 STREET FORT LAUDERDALE, FL 33314 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $443 | — | $443 | 2.01% |
| MONICA SANTANA3 | 310 CRESTWOOD CIR APT 207 ROYAL PALM BEACH, FL 33411 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $406 | — | $406 | 1.84% |
| KARL GRANT3 | PO BOX 590515 FORT LAUDERDALE, FL 33359 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $180 | — | $180 | 0.82% |
| BASIC BUSINESS SOLUTIONS CORP3 | 1193 SE PORT ST LUCIE BLVD STE 101 PORT ST LUCIE, FL 34952 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $168 | — | $168 | 0.76% |
| CHRISTEN DANIELLE NADDY3 | 549 NW AZALEA AVE PORT SAINT LUCIE, FL 34983 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $95 | — | $95 | 0.43% |
| DORIS JUDITH BEJARANO3 | 3601 NE 207 STREET APT 1103 AVENTURA, FL 33180 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $64 | — | $64 | 0.29% |
| JILL HALVERSON3 | 3359 GARDENS EAST DRIVE UNIT A PALM BEACH GARDENS, FL 33410 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $58 | — | $58 | 0.26% |
| TRACY REEVES3 | 16273 SW 9TH STREET PEMBROKE PINES, FL 33027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.04% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE ROAD 434 LONGWOOD, FL 32750 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| 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 | $1K | — | $1K | 10.00% |
| 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 | $1K | — | $1K | 10.00% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 27.69% |
| AMERICAN INS PLUS LLC3 | 8131 BAUTISTA WAY PALM BEACH GARDEN, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 20.24% |
| MONICA SANTANA3 | 310 CRESTWOOD CIR APT 207 ROYAL PALM BEACH, FL 33411 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $194 | — | $194 | 2.48% |
| JUDITH DEMERCADO3 | 5634 NW 16 STREET FORT LAUDERDALE, FL 33314 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $184 | — | $184 | 2.35% |
| DORIS JUDITH BEJARANO3 | 3601 NE 207 STREET APT 1103 AVENTURA, FL 33180 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $110 | — | $110 | 1.41% |
| BASIC BUSINESS SOLUTIONS CORP3 | 1193 SE PORT ST LUCIE BLVD STE 101 PORT ST LUCIE, FL 34952 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $42 | — | $42 | 0.54% |
| JILL HALVERSON3 | 3359 GARDENS EAST DRIVE UNIT A PALM BEACH GARDENS, FL 33410 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $37 | — | $37 | 0.47% |
| CHRISTEN DANIELLE NADDY3 | 549 NW AZALEA AVE PORT SAINT LUCIE, FL 34983 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.13% |
| TRACY REEVES3 | 16273 SW 9TH STREET PEMBROKE PINES, FL 33027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.05% |
| BARRY OLFERN AND ASSOC. INC4 Filed as: BARRY OLFERN AND ASSOCIATES INC | 954 TYLER ST HOLLYWOOD, FL 33019 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 33.56% |
| INSURANCE OFFICE OF AMERICA4 Filed as: INSURANCE OFFICE OF AMERICA INC | STE 350 2056 VISTA PKWY WEST PALM BEACH, FL 33411 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $327 | — | $327 | 7.67% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $663 | — | $663 | 25.12% |
| AMERICAN INS PLUS LLC3 | 8131 BAUTISTA WAY PALM BEACH GARDEN, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $374 | — | $374 | 14.17% |
| MONICA SANTANA3 | 310 CRESTWOOD CIR APT 207 ROYAL PALM BEACH, FL 33411 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $133 | — | $133 | 5.04% |
| DORIS JUDITH BEJARANO3 | 3601 NE 207 STREET APT 1103 AVENTURA, FL 33180 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $92 | — | $92 | 3.49% |
| JILL HALVERSON3 | 3359 GARDENS EAST DRIVE UNIT A PALM BEACH GARDENS, FL 33410 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $55 | — | $55 | 2.08% |
| TRACY REEVES3 | 16273 SW 9TH STREET PEMBROKE PINES, FL 33027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.27% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | — | $14 | 35.90% |
| AMERICAN INS PLUS LLC3 | 8131 BAUTISTA WAY PALM BEACH GARDEN, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 20.51% |
| KARL GRANT3 | PO BOX 590515 FORT LAUDERDALE, FL 33359 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 15.38% |
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 | 202 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 439 | $2.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 439 | $2.3M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 146 | $18K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 202 | $28K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 202 | $65K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 202 | $41K |
| Other(7 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 202 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 439 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.