| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 W STATE RD 434 LONGWOOD, FL 32750 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $212K | $212K | 1.54% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA, INC | 1855 W STATE ROAD 434 LONGWOOD, FL 32750 | KAISER FOUNDATION HEALTH PLAN, INC | $79K | $0 | $79K | 7.66% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE AMERICA, INC | 1855 W STATE RD 434 LONGWOOD, FL 32750 | STANDARD INSURANCE COMPANY | $52K | $3K | $54K | 10.65% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE AMERICA, INC. | 1855 W STATE RD 343 LONGWOOD, FL 32750 | STANDARD INSURANCE COMPANY | $58K | $3K | $60K | 15.87% |
| INSURANCE OFFICE OF AMERICA3 | 1855 WEST STATE ROAD 434, SUITE 250 LONGWOOD, FL 32750 | STANDARD INSURANCE COMPANY | $41K | $2K | $43K | 20.00% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALMONTE SPRINGS, FL 32716 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $0 | $20K | 12.94% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE AMERICA, INC | 1855 W STATE RD 434 LONGWOOD, FL 32750 | STANDARD INSURANCE COMPANY | $14K | $1K | $15K | 11.12% |
| INSURANCE OFFICE OF AMERICA3 | 1 SLEIMAN PARKWAY SUITE 130 JACKSONVILLE, FL 32216 | DELTA DENTAL INSURANCE COMPANY | $32K | $0 | $32K | — |
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 | 1,828 | 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) | 1,831 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,828 | $14.8M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 2,262 | $0 |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,805 | $152K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,812 | $379K |
| Short-term disability | STANDARD INSURANCE COMPANY | 393 | $137K |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,812 | $512K |
| Other | STANDARD INSURANCE COMPANY | 573 | $214K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,262 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.