| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA, INC. | 1855 W. STATE RD. 343 LONGWOOD, FL 32750 | MUTUAL OF OMAHA | $0 | $1K | $1K | 0.58% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA, INC. | 1855 W. STATE RD. 343 LONGWOOD, FL 32750 | MUTUAL OF OMAHA | $9K | $1K | $10K | 4.61% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA, INC. | 1855 W. STATE RD. 343 LONGWOOD, FL 32750 | MUTUAL OF OMAHA | $8K | $1K | $9K | 4.56% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W. STATE RD. 343 LONGWOOD, FL 32750 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 6.65% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA, INC. | 1855 W. STATE RD. 343 LONGWOOD, FL 32750 | SUPERIOR VISION PLAN | $0 | $0 | $0 | 0.00% |
| NONE Filed as: NONE. | — | KAISER FOUNDATION HEALTH PLAN INC | — | — | $0 | 0.00% |
| NONE Filed as: NONE. | — | KAISER FOUNDATION HEALTH PLAN INC | — | — | $0 | 0.00% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA, INC. | 1855 W. STATE RD. 343 LONGWOOD, FL 32750 | MUTUAL OF OMAHA | $0 | $367 | $367 | 0.59% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA, INC. | 1855 W. STATE RD. 343 LONGWOOD, FL 32750 | MUTUAL OF OMAHA | $2K | $347 | $3K | 4.61% |
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 | 836 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 848 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 20 | $172K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 938 | $120K |
| Vision(2 contracts, 2 carriers) | SUPERIOR VISION PLAN | 480 | $151K |
| Life insurance(2 contracts) | MUTUAL OF OMAHA | 1,008 | $310K |
| Short-term disability(2 contracts) | MUTUAL OF OMAHA | 1,008 | $264K |
| Long-term disability(2 contracts) | MUTUAL OF OMAHA | 931 | $279K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,008 | — |
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.