| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE ENTERPRISE TEAM, INC.3 Filed as: THE ENTERPRISE TEAM INC | 2211 LEE ROAD, SUITE 100 WINTER PARK, FL 32789 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $36K | $36K | 2.52% |
| INSURANCE OFFICE OF AMERICA3 | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $19K | $19K | 1.32% |
| D J FISHER & ASSOC INC3 Filed as: DJ FISHER & ASSOCIATES | 4117 FAIRVIEW VISTA POINT APARTMENT 202 ORLANDO, FL 32804 | AFLAC | $18K | $2K | $20K | 10.64% |
| THE ENTERPRISE TEAM, INC.3 Filed as: THE ENTERPRISE TEAM INC | PO BOX 195579 WINTER SPRINGS, FL 32719 | AFLAC | $10K | $0 | $10K | 5.18% |
| DH2 ENTERPRISES INC3 | 13313 FALCON POINTE DRIVE ORLANDO, FL 32837 | AFLAC | $2K | $376 | $3K | 1.36% |
| MARY E REMSON3 Filed as: MARY REMSON | 3201 POPPY HILL ROAD MOUNT DORA, FL 32757 | AFLAC | $554 | $0 | $554 | 0.29% |
| NOLAN KING3 | 15690 WEST COLONIAL DRIVE WINTER GARDEN, FL 34787 | AFLAC | $428 | $0 | $428 | 0.23% |
| MJ INSURANCE3 Filed as: SHAZAM BENEFITS AND VARIOUS AGENTS | 804 EAST WINDWARD WAY APARTMENT 511 LANTANA, FL 33462 | AFLAC | $207 | $0 | $207 | 0.11% |
| REBEKAH FUSSELL3 | 11007 CREIGHTON DRIVE ORLANDO, FL 32817 | AFLAC | $56 | $0 | $56 | 0.03% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 Filed as: UNITED BENEFIT ADVISORS OF FL | 560 HARRISON AVENUE PANAMA CITY, FL 32401 | GUARDIAN | $5K | $3K | $8K | 9.35% |
| INSURANCE OFFICE OF AMERICA3 | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | GUARDIAN | $3K | $0 | $3K | 3.89% |
| THE ENTERPRISE TEAM, INC.3 Filed as: THE ENTERPRISE TEAM INC | PO BOX 195579 WINTER SPRINGS, FL 32719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $894 | $0 | $894 | 5.01% |
| INSURANCE OFFICE OF AMERICA3 | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $889 | $0 | $889 | 4.99% |
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 | 157 | 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) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 166 | $1.4M |
| Dental | GUARDIAN | 157 | $85K |
| Vision | GUARDIAN | 157 | $85K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 157 | $18K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 166 | $1.4M |
| Other(2 contracts, 2 carriers) | AFLAC | 172 | $207K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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.