| 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 327505069 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $72K | $72K | 5.13% |
| I-MARKETPLACE SOLUTIONS, USA LLC.3 | PO BOX 2484 PALM HARBOR, FL 34682 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $60 | $60 | 0.00% |
| INSURANCE OFFICE OF AMERICA ONTARIO3 Filed as: INSURANCE OFFICE OF AMERICA INC-TAM | 1855 WEST ST. RD 434 LONGWOOD, FL 327501800 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | $362 | $9K | 10.33% |
| INSURANCE OFFICE OF AMERICA3 | 2948 BRIDLEWOOD DRIVE PALM HARBOR, FL 34683 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | — | $5K | 12.74% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS, LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA LIFE INSURANCE COMPANY | — | $3K | $3K | 8.34% |
| WEBTPA EMPLOYER SERVICES LLC5 Filed as: WEBTPA | 8500 FREEPORT PARKWAY SOUTH IRVING, TX 75063 | TRANSAMERICA LIFE INSURANCE COMPANY | — | $3K | $3K | 6.31% |
| SEE ATTACHED3 Filed as: SEE ATTACHED LISTING | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $1K | $7K | 23.18% |
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 | 170 | 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) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 241 | $1.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 131 | $88K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 131 | $88K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 37 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.