| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA, INC | 1855 W STATE ROAD 434 LONGWOOD, FL 32750 | KAISER FOUNDATION HEALTH PLAN, INC | $76K | $0 | $76K | 6.42% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE AMERICA, INC. | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $50K | $0 | $50K | 11.41% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE AMERICA, INC | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $41K | $0 | $41K | 15.07% |
| INSURANCE OFFICE OF AMERICA3 | 1 SLEIMAN PARKWAY SUITE 130 JACKSONVILLE, FL 32216 | GUARDIAN | $40K | $0 | $40K | 20.14% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE AMERICA, INC | PO BOX 162207 ALTAMONTE SPRINGS, FL 38716 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $30K | $0 | $30K | 15.00% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | UNUM INSURANCE COMPANY | $9K | $0 | $9K | 15.01% |
| MCCLELLAN, DAVID J3 Filed as: MCCLELLAN, DAVID | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | UNUM INSURANCE COMPANY | $9K | $0 | $9K | 15.01% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | UNUM INSURANCE COMPANY | $38K | $0 | $38K | 65.03% |
| MCCLELLAN, DAVID J3 Filed as: MCCLELLAN, DAVID | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | UNUM INSURANCE COMPANY | $9K | $0 | $9K | 15.01% |
| INSURANCE 0FFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | UNUM INSURANCE COMPANY | $8K | $0 | $8K | 15.03% |
| MCCLELLAN, DAVID J3 Filed as: MCCLELLAN, DAVID | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | UNUM INSURANCE COMPANY | $8K | $0 | $8K | 15.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR EIN 39-1995276 ADMIN | Claims processing Service code 12 | — | $393K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $221K |
| INSURANCE OFFICE OF AMERICA - NV EIN 59-2472656 BROKER | Insurance agents and brokers Service code 22 | — | $134K |
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 | 1,661 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,664 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC | 150 | $1.2M |
| Dental | GUARDIAN | 1,232 | $201K |
| Vision | GUARDIAN | 1,232 | $201K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,661 | $439K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 513 | $273K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,662 | $198K |
| Stop-loss / reinsurancereinsurance | CRUM & FORSTER | 1,054 | $779K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,661 | $614K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,662 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.