| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | HEALTH OPTIONS, INC. | $20K | — | $20K | 2.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4498 WEST US HIGHWAY 90 LAKE CITY, FL 32055 | HEALTH OPTIONS, INC. | $15K | — | $15K | 1.46% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | BLUE CROSS BLUE SHIELD OF FLORIDA | $16K | — | $16K | 2.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4498 WEST US HIGHWAY 90 LAKE CITY, FL 32055 | BLUE CROSS BLUE SHIELD OF FLORIDA | $10K | — | $10K | 1.35% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $11K | — | $11K | 5.10% |
| FLORIDA AUTOMOBILE DEALERS ASSOC3 Filed as: FLORIDA AUTOMOBILE DEALERS ASSOC. | UNKNOWN TALLAHASSEE, FL 32301 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $8K | $8K | 3.89% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | AMERICAN FIDELITY ASSURANCE COMPANY | $56 | — | $56 | 0.03% |
| INSURANCE OFFICE OF AMERICA3 | 1855 WEST STATE ROAD 343 LONGWOOD, FL 32750 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | — | $7K | 6.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6769 NORTH WICKHAM ROAD, SUITE 107 MELBOURNE, FL 32940 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 3.92% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | FLORIDA COMBINED LIFE | $1K | — | $1K | 6.02% |
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 | 499 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 499 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 159 | $1.7M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 336 | $121K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 336 | $121K |
| Life insurance | FLORIDA COMBINED LIFE | 499 | $24K |
| Short-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 191 | $211K |
| Long-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 191 | $211K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 159 | $1.7M |
| Other | FLORIDA COMBINED LIFE | 499 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 499 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.