| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATES INSURANCE AGENCY3 | 11470 N 53RD ST TEMPLE TERRACE, FL 33617 | UNITED HEALTHCARE INSURANCE COMPANY | $19K | $0 | $19K | 8.20% |
| ASSOCIATES AGENCY INC3 | 11470 N 53RD ST TEMPLE TERRACE, FL 33617 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $0 | $15K | 10.00% |
| ENROLLMENT ALLIANCE LLC5 | 1724 E 5TH AVE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $8K | $8K | 5.00% |
| ASSOCIATES AGENCY INC3 | 11470 N 53RD ST TEMPLE TERRACE, FL 33617 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | $0 | $20K | 15.00% |
| ENROLLMENT ALLIANCE LLC5 | 1724 E 5TH AVE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $7K | $7K | 5.00% |
| ASSOCIATES AGENCY INC3 | 11470 N 53RD ST TEMPLE TERRACE, FL 33617 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 10.00% |
| ENROLLMENT ALLIANCE LLC5 | 1724 E 5TH AVE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 5.00% |
| ASSOCIATES INSURANCE AGENCY3 | 11470 N 53RD ST TEMPLE TERRACE, FL 33617 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 10.02% |
| ASSOCIATES AGENCY INC3 | 11470 N 53RD ST TEMPLE TERRACE, FL 33617 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 15.00% |
| ENROLLMENT ALLIANCE LLC5 | 1724 E 5TH AVE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| ASSOCIATES AGENCY INC3 | 11470 N 53RD ST TEMPLE TERRACE, FL 33617 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
| ENROLLMENT ALLIANCE LLC5 | 1724 E 5TH AVE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.00% |
| ASSOCIATES AGENCY INC3 | 11470 N 53RD ST TEMPLE TERRACE, FL 33617 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 20.00% |
| ENROLLMENT ALLIANCE LLC5 | 1724 E 5TH AVE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | 11 SCOTT ST STE 100 WAUSAU, WI 54403 | $356K |
| ASSOCIATES INSURANCE AGENCY EIN 59-3289624 BROKER | Other commissions Service code 55 | 11470 N 53RD ST TEMPLE TERRACE, FL 33617 | $105K |
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 | 356 | 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) | 356 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 362 | $231K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 362 | $43K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 471 | $209K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 471 | $155K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 362 | $910K |
| Other(5 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 471 | $293K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 471 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.