| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | $49K | $62K | 5.76% |
| D J FISHER & ASSOC INC3 | 4117 FAIRVIEW VISTA POINT APARTMENT 202 ORLANDO, FL 32804 | AFLAC | $22K | $1K | $23K | 12.37% |
| THE ENTERPRISE TEAM, INC.3 Filed as: THE ENTERPRISE TEAM INC | PO BOX 195579 WINTER SPRINGS, FL 32719 | AFLAC | $3K | $0 | $3K | 1.71% |
| NOLAN KING3 | 2273 STANDING ROCK CIRCLE WINTER GARDEN, FL 34787 | AFLAC | $2K | $99 | $3K | 1.36% |
| MARY E REMSON3 Filed as: MARY REMSON | 3201 POPPY HILL ROAD MOUNT DORA, FL 32757 | AFLAC | $2K | $99 | $2K | 1.18% |
| DH2 ENTERPRISES INC3 | 13313 FALCON POINTE DRIVE ORLANDO, FL 32837 | AFLAC | $881 | $123 | $1K | 0.54% |
| MJ INSURANCE3 Filed as: LAMONT DORSEY AND VARIOUS AGENTS | 2086 LAKE MARION DRIVE APOPKA, FL 32712 | AFLAC | $539 | $0 | $539 | 0.29% |
| CINDY HERNANDEZ3 | 719 AVENIDA SEXTA, APARTMENT 304 CLERMONT, FL 34714 | AFLAC | $309 | $0 | $309 | 0.17% |
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) | UNITEDHEALTHCARE INSURANCE COMPANY | 228 | $1.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 228 | $1.1M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 228 | $1.1M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 228 | $1.1M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 228 | $1.1M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 228 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.