| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $110K | $110K | 4.17% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 W STATE ROAD 434 LONGWOOD, FL 327505069 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $8K | 5.04% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 W STATE ROAD 434 LONGWOOD, FL 327505069 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $3K | $11K | 13.99% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 W STATE ROAD 434 LONGWOOD, FL 327505069 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $3K | $10K | 13.96% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 W STATE ROAD 434 LONGWOOD, FL 327505069 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $5K | 14.17% |
| LISA FLOWERS3 | 5851 KARA PL BURKE, VA 22015 | AFLAC | $825 | $135 | $960 | 3.33% |
| ELAINE COX3 | 3355 DOROTHEA ROAD JACKSONVILLE, FL 32216 | AFLAC | $577 | — | $577 | 2.00% |
| TAMARA DOUGLASS3 Filed as: TAMARA S DOUGLASS | 2890 SPRING HEATHER PLACE OVIEDO, FL 32766 | AFLAC | $497 | — | $497 | 1.72% |
| JEANNE COKER3 | 734 CHEROKEE RD LAGRANGE, GA 30240 | AFLAC | $343 | $27 | $370 | 1.28% |
| INS OFFICE OF AMERICA INC3 | 1855 WEST STATE RD 434 LONGWOOD, FL 32750 | AFLAC | $216 | — | $216 | 0.75% |
| TLW VENTURES LLC3 | 614 E HWY 50 338 CLERMONT, FL 34711 | AFLAC | $173 | $27 | $200 | 0.69% |
| ALGERINE COX3 | 3355 DOROTHEA RD JACKSONVILLE, FL 32216 | AFLAC | $180 | — | $180 | 0.62% |
| KELLY L KUTCHER3 Filed as: KELLY KUTCHER | 100 W PLANT ST WINTER GARDEN, FL 32216 | AFLAC | $128 | — | $128 | 0.44% |
| SANDRA ASHFORD3 | 9009 WESTERN LAKE DR APT 704 JACKSONVILLE, FL 32256 | AFLAC | $87 | — | $87 | 0.30% |
| ROBERT L TRAPNELL JR3 Filed as: ROBERT TRAPNELL JR | 19 N INDIAN RIVER DR APT 701 COCOA, FL 32922 | AFLAC | $86 | — | $86 | 0.30% |
| KATHRYNE TYSON3 | 193 HILLSBOROUGH DR MT PLYMOUTH, FL 32776 | AFLAC | $85 | — | $85 | 0.29% |
| LARA CARLSON3 | 106 LAUREL VIEW DR ST SIMONS ISLAND, GA 31522 | AFLAC | $72 | — | $72 | 0.25% |
| CATHERINE L LEE3 Filed as: CATHERINE LEE | 700 S HARBOUR ISLAND BLVD TAMPA, FL 33637 | AFLAC | $65 | — | $65 | 0.23% |
| RAY TOMLINSON3 | 262 COVERED BRIDGE DRIVE OCOEE, FL 34761 | AFLAC | $48 | — | $48 | 0.17% |
| LESLIE K KIMBROUGH3 Filed as: LESLIE KIMBROUGH | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $24 | $22 | $46 | 0.16% |
| DAVID K MOBLEY3 Filed as: DAVID MOBLEY | 3812 VALVERDE CIR JACKSONVILLE, FL 32224 | AFLAC | $38 | — | $38 | 0.13% |
| MKF & ASSOCIATES INC3 | 4505 PINE TREE CIR STE 201 BIRMINGHAM, AL 35243 | AFLAC | $37 | — | $37 | 0.13% |
| SHARON ELLIS3 | 67 HUDSON RD LYONS, GA 30436 | AFLAC | $13 | — | $13 | 0.05% |
| JOHN R CULBERTSON3 Filed as: JOHN KEENEY | 175 N SPRING TRAIL ALAMONTE SPRINGS, FL 32714 | AFLAC | $11 | — | $11 | 0.04% |
| PATRICIA ANNE REILLY3 Filed as: PATRICIA ALMOND | 3964 JOURNEY CT CASSELBERRY, FL 32707 | AFLAC | $11 | — | $11 | 0.04% |
| J C ADAMS INC3 | 5631 NE 31ST TER OCALA, FL 34479 | AFLAC | $11 | — | $11 | 0.04% |
| CHRIS GUZEWICH3 | 1007 DRAKE FEATHER DR ORANGE PARK, FL 32065 | AFLAC | $10 | — | $10 | 0.03% |
| CRYSTAL LEADY3 | 12071 VIRGINIA DR LEESBURG, FL 34788 | AFLAC | $8 | — | $8 | 0.03% |
| CROWNE CONSULTING GROUP3 Filed as: CROWNE CONSULTING GRP | 1552 BOREN DR OCOEE, FL 34761 | AFLAC | $8 | — | $8 | 0.03% |
| DINAH JEWEL3 | 2004 ADAIR ST OCOEE, FL 34761 | AFLAC | $6 | — | $6 | 0.02% |
| JIMMY D BOONE3 Filed as: JIMMY BOONE | 5346 DOMINICA CIR SARASOTA, FL 34233 | AFLAC | $6 | — | $6 | 0.02% |
| TROY DANIEL DESLATTE3 Filed as: TROY DESLATTE | 107 SHADY PARK DR LAFAYETTE, LA 70508 | AFLAC | $3 | — | $3 | 0.01% |
| LAURA HEILIG3 | 13768 OAK TREE TER JACKSONVILLE, FL 32224 | AFLAC | $2 | — | $2 | 0.01% |
| VERA I CRUICE3 Filed as: VERA CRUICE | 7121 TARPON COURT FLEMING ISLAND, FL 32003 | AFLAC | $1 | — | $1 | 0.00% |
| INSURANCE OFF OF AMERICA - ORLANDO3 | 1855 W STATE ROAD 434 LONGWOOD, FL 32750 | ADVANTICA REINSURANCE COMPANY | $1K | — | $1K | 10.00% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 W STATE ROAD 434 LONGWOOD, FL 327505069 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $713 | $257 | $970 | 13.61% |
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 | 216 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 436 | $2.7M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 199 | $163K |
| Vision | ADVANTICA REINSURANCE COMPANY | 196 | $12K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 226 | $84K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 73 | $34K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 226 | $74K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 226 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 436 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.