| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE INS & PAYROLL RESOURCE3 Filed as: INS & PAYROLL RESOURCE GROUP | 1101 N LAKE DESTINY ROAD, SUITE 100 MAITLAND, FL 32751 | PRINCIPAL LIFE INSURANCE COMPANY | $13K | $2K | $16K | 13.87% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE ROAD 434 LONGWOOD, FL 32750 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.05% |
| VIRMELIA RODRIGUEZ3 | 10090 BENNINGTON CHASE DRIVE ORLANDO, FL 32829 | AFLAC | $493 | $3 | $496 | 3.37% |
| A & M BONURA & ASSOCIATES INC3 | 1882 LAUREL BROOK LOOP CASSELBERRY, FL 32707 | AFLAC | $368 | $3 | $371 | 2.52% |
| CINDY DEBRA WEISS3 Filed as: CINDY WEISS | PO BOX 149505 ORLANDO, FL 32814 | AFLAC | $95 | $3 | $98 | 0.67% |
| A & M HARNER & ASSOCIATES LLC3 | 102 N SWEETWATER BOULEVARD LONGWOOD, FL 32779 | AFLAC | $34 | $0 | $34 | 0.23% |
| JOYCE WEBER ENTERPRISES INC3 | 13313 FALCON POINTE DRIVE ORLANDO, FL 32837 | AFLAC | $33 | $0 | $33 | 0.22% |
| MJ INSURANCE3 Filed as: MKF & ASSOCIATES AND VARIOUS AGENTS | 4222 MARDEN WAY VESTAVIA, AL 35242 | AFLAC | $27 | $0 | $27 | 0.18% |
| JOHN F DUSSLING3 Filed as: JOHN DUSSLING | 2009 TULLAGEE AVENUE MELBOURNE, FL 32940 | AFLAC | $14 | $11 | $25 | 0.17% |
| UNKNOWN3 | UNKNOWN KISSIMMEE, FL 34746 | TELADOC HEALTH, INC. | $323 | — | $323 | 15.00% |
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 | 261 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 283 | $114K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 283 | $114K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 283 | $114K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 283 | $114K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 283 | $114K |
| Other(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 283 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.