| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE ROAD 434 LONGWOOD, FL 32750 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $121 | $10K | 10.03% |
| 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 | $9K | — | $9K | 10.00% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 W STATE ROAD 434 LONGWOOD, FL 32750 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 4.03% |
| INSURANCE OFFICE OF AMERICA3 | 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 W STATE ROAD 434 LONGWOOD, FL 32750 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.82% |
| 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 | $3K | — | $3K | 10.00% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 W STATE ROAD 434 LONGWOOD, FL 32750 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.77% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 7.61% |
| AMERICAN INS PLUS LLC3 | 8143 BAUTISTA WAY PALM BEACH GARDEN, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 17.91% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 12.80% |
| DEMERCADO JUDITH3 | 5634 NW 16 STREET FORT LAUDERDALE, FL 33314 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $29 | — | $29 | 0.16% |
| VIVIAN PLETZKE3 | 9822 FOREST RUN LANE CHARLOTTE, NC 28277 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24 | — | $24 | 0.13% |
| NIEVES IVELISSE3 | 3921 SW 160TH AVE APT 207 MIRAMAR, FL 33027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.08% |
| BASIC BUSINESS SOLUTIONS CORP3 | 1193 SE PORT ST LUCIE BLVD STE 101 PORT ST LUCIE, FL 34952 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.08% |
| NADDY CHRISTEN DANIELLE3 | 549 NW AZALEA AVE PORT SAINT LUCIE, FL 34983 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.03% |
| JILL HALVERSON3 | 15 OXFORD STREET PUEBLO, CO 81005 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.03% |
| GAVIN WILLIAMS3 | 8130 BAUTISTA WAY PALM BEACH GARDENS, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.03% |
| TRACY REEVES3 | 16273 SW 9TH STREET PEMBROKE PINES, FL 33027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 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 | $2K | — | $2K | 10.00% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 W STATE ROAD 434 LONGWOOD, FL 32750 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $711 | $711 | 3.95% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 6.14% |
| AMERICAN INS PLUS LLC3 | 8143 BAUTISTA WAY PALM BEACH GARDEN, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 6.14% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE ROAD 434 LONGWOOD, FL 32750 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $1K | — | $1K | 9.89% |
| 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 | $2K | — | $2K | 15.84% |
| 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 | $565 | — | $565 | 5.86% |
| JOLIE D MEARES4 | 606 LUFKIN CIR FAYETTEVILLE, NC 28311 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $25 | — | $25 | 0.26% |
| AMERICAN INS PLUS LLC3 | 8143 BAUTISTA WAY PALM BEACH GARDEN, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $231 | — | $231 | 5.41% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $207 | — | $207 | 4.85% |
| JUDITH DEMERCADO3 | 5634 NW 16 STREET FORT LAUDERDALE, FL 33314 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.30% |
| JILL HALVERSON3 | 15 OXFORD STREET PUEBLO, CO 81005 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.16% |
| BEJARANO DORIS JUDITH3 | 2114 N FLAMINGO RD #190 APT 501 PEMBROKE PINES, FL 33028 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.07% |
| BASIC BUSINESS SOLUTIONS CORP3 | 1193 SE PORT ST LUCIE BLVD STE 101 PORT ST LUCIE, FL 34952 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.07% |
| CHRISTEN DANIELLE NADDY3 | 549 NW AZALEA AVE PORT SAINT LUCIE, FL 34983 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.05% |
| TRACY REEVES3 | 16273 SW 9TH STREET PEMBROKE PINES, FL 33027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27 | — | $27 | 5.04% |
| AMERICAN INS PLUS LLC3 | 8143 BAUTISTA WAY PALM BEACH GARDEN, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | — | $14 | 2.61% |
| JILL HALVERSON3 | 15 OXFORD STREET PUEBLO, CO 81005 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 2.05% |
| TRACY REEVES3 | 16273 SW 9TH STREET PEMBROKE PINES, FL 33027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.37% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE ROAD 434 LONGWOOD, FL 32750 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $3 | — | $3 | — |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE ROAD 434 LONGWOOD, FL 32750 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $6 | — | $6 | — |
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 | 214 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 230 | $112K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 286 | $20K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 214 | $47K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 205 | $86K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 215 | $50K |
| Other(7 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 214 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.