| 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 | $837 | $94K | $95K | 4.21% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE ROAD 434 LONGWOOD, FL 32750 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $18 | $8K | 10.02% |
| 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 | $1K | $8K | 11.83% |
| INSURANCE OFFICE OF AMERICA3 | 2056 VISTA PKWY STE 350 WEST PALM BEACH, FL 33411 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $786 | $5K | 11.96% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 13.31% |
| AMERICAN INS PLUS LLC3 | 8131 BAUTISTA WAY PALM BEACH GARDEN, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 10.28% |
| CHRISTEN DANIELLE NADDY3 | 549 NW AZALEA AVE PORT SAINT LUCIE, FL 34983 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $210 | — | $210 | 0.99% |
| JUDITH DEMERCADO3 | 5634 NW 16 STREET FORT LAUDERDALE, FL 33314 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $145 | — | $145 | 0.68% |
| IVELISSE NIEVES3 | 4160 SW 152ND AVE MIRAMAR, FL 33027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $133 | — | $133 | 0.63% |
| BASIC BUSINESS SOLUTIONS CORP3 | 1193 SE PORT ST LUCIE BLVD STE 101 PORT ST LUCIE, FL 34952 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $64 | — | $64 | 0.30% |
| MONICA SANTANA3 | 310 CRESTWOOD CIR APT 207 ROYAL PALM BEACH, FL 33411 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $60 | — | $60 | 0.28% |
| JILL HALVERSON3 | 3359 GARDENS EAST DRIVE UNIT A PALM BEACH GARDENS, FL 33410 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | — | $22 | 0.10% |
| DORIS JUDITH BEJARANO3 | 3601 NE 207 STREET APT 1103 AVENTURA, FL 33180 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.05% |
| TRACY REEVES3 | 16273 SW 9TH STREET PEMBROKE PINES, FL 33027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| KARL GRANT3 | PO BOX 590515 FORT LAUDERDALE, FL 33359 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | -$3 | — | -$3 | -0.01% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 6.25% |
| AMERICAN INS PLUS LLC3 | 8131 BAUTISTA WAY PALM BEACH GARDEN, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 6.25% |
| INSURANCE OFFICE OF AMERICA3 | P. O. BOX 162207 ALTAMONTE SPRINGS, FL 32716 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE ROAD 434 LONGWOOD, FL 32750 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $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 | $2K | $299 | $2K | 11.99% |
| 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 | $283 | $2K | 11.92% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 17.13% |
| AMERICAN INS PLUS LLC3 | 8131 BAUTISTA WAY PALM BEACH GARDEN, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 13.41% |
| CHRISTEN DANIELLE NADDY3 | 549 NW AZALEA AVE PORT SAINT LUCIE, FL 34983 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $154 | — | $154 | 1.94% |
| IVELISSE NIEVES3 | 4160 SW 152ND AVE MIRAMAR, FL 33027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $47 | — | $47 | 0.59% |
| JUDITH DEMERCADO3 | 5634 NW 16 STREET FORT LAUDERDALE, FL 33314 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $31 | — | $31 | 0.39% |
| MONICA SANTANA3 | 310 CRESTWOOD CIR APT 207 ROYAL PALM BEACH, FL 33411 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $30 | — | $30 | 0.38% |
| BASIC BUSINESS SOLUTIONS CORP3 | 1193 SE PORT ST LUCIE BLVD STE 101 PORT ST LUCIE, FL 34952 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.19% |
| DORIS JUDITH BEJARANO3 | 3601 NE 207 STREET APT 1103 AVENTURA, FL 33180 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.16% |
| JILL HALVERSON3 | 3359 GARDENS EAST DRIVE UNIT A PALM BEACH GARDENS, FL 33410 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.14% |
| TRACY REEVES3 | 16273 SW 9TH STREET PEMBROKE PINES, FL 33027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| 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 | 19.72% |
| 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 | $468 | — | $468 | 7.43% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $207 | — | $207 | 10.01% |
| AMERICAN INS PLUS LLC3 | 8131 BAUTISTA WAY PALM BEACH GARDEN, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $121 | — | $121 | 5.85% |
| MONICA SANTANA3 | 310 CRESTWOOD CIR APT 207 ROYAL PALM BEACH, FL 33411 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $40 | — | $40 | 1.94% |
| IVELISSE NIEVES3 | 4160 SW 152ND AVE MIRAMAR, FL 33027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | — | $21 | 1.02% |
| JILL HALVERSON3 | 3359 GARDENS EAST DRIVE UNIT A PALM BEACH GARDENS, FL 33410 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | — | $20 | 0.97% |
| TRACY REEVES3 | 16273 SW 9TH STREET PEMBROKE PINES, FL 33027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.15% |
| DORIS JUDITH BEJARANO3 | 3601 NE 207 STREET APT 1103 AVENTURA, FL 33180 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE ROAD 434 LONGWOOD, FL 32750 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $35 | — | $35 | 10.00% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE ROAD 434 LONGWOOD, FL 32750 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $8 | — | $8 | 10.53% |
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 | 172 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 368 | $2.2M |
| Dental(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 315 | $96K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 140 | $20K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 172 | $30K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 172 | $69K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 172 | $40K |
| Other(7 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 172 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 368 | — |
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.