| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OMS INSURANCE GROUP3 Filed as: OMS INSURANCE GROUP LLC | PO BOX 2 LAKELAND, FL 33802 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $60K | $60K | 5.35% |
| OMS INSURANCE GROUP3 | PO BOX 2 LAKELAND, FL 33802 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | $938 | $13K | 14.34% |
| OMS INSURANCE GROUP3 Filed as: OMS INSURANCE GROUP LLC | 26 LAKE WIRE DRIVE LAKELAND, FL 33815 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 10.00% |
| HARRISON-DAVIS INC3 Filed as: HARRISON DAVIS INC. | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $44 | — | $44 | 0.06% |
| OMS INSURANCE GROUP3 | 26 LAKE WIRE DRIVE LAKELAND, FL 33815 | ADVANTICA REINSURANCE COMPANY | $1K | — | $1K | 10.00% |
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 | 134 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 120 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 117 | $76K |
| Vision | ADVANTICA REINSURANCE COMPANY | 134 | $12K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 133 | $91K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 133 | $91K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 133 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.