| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WEB BENEFITS DESIGN CORPORATION5 | PO BOX 1568 WINDERMERE, FL 34786 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $105K | $105K | 2.74% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA, INC. | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $50K | $50K | 1.29% |
| BERNARD FALCO3 | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | AMERICAN HERITAGE LIFE | $136K | — | $136K | 23.02% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA, INC. | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | AMERITAS LIFE INSURANCE CORPORATION | $4K | — | $4K | 0.82% |
| BERNARD FALCO3 | 750 CAMPHOR HEIGHTS PLACE LAKE MARY, FL 32746 | TRUSTMARK INSURANCE COMPANY | $63K | — | $63K | 30.44% |
| DAVIS FINANCIAL SERVICES3 | 1005 SOUTH 6TH STREET SPRINGFIELD, IL 62703 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 20.29% |
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 | 7,022 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,052 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 7,437 | $526K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 9,447 | $4.0M |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 9,447 | $3.8M |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 9,447 | $3.8M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 9,447 | $4.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,447 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.