| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA, INC. | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | UNITEDHEALTHCARE INSURANCE COMPANY | $21K | $128K | $150K | 5.74% |
| MARIA V. LANZA3 | 10197 ANDOVER POINT CIRCLE ORLANDO, FL 32825 | ALFAC | $6K | $491 | $7K | 6.37% |
| MJ INSURANCE3 Filed as: EUGEAN VANHORN AND VARIOUS AGENTS | 201 PROFESSIONAL DRIVE GAITHERSBURG, MD 20879 | ALFAC | $6K | $475 | $6K | 5.96% |
| DH2 ENTERPRISES INC3 Filed as: DH2 ENTERPRISES, INC. | 13313 FALCON POINTE DRIVE ORLANDO, FL 32837 | ALFAC | $2K | $114 | $2K | 1.76% |
| STEVN MARK ABRAMS3 | 22921 IRONWEDGE DRIVE BOCA RATON, FL 33433 | ALFAC | $2K | $0 | $2K | 1.57% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | 500 WEST 13TH STREET, SUITE 200 FORT WORTH, TX 76102 | ALFAC | $1K | $0 | $1K | 0.94% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA, INC. | 100 GALLERIA PARKWAY SE ATLANTA, GA 30339 | ALFAC | $962 | $0 | $962 | 0.90% |
| THE MASTERS AGENCY INC3 Filed as: THE MASTERS AGENCY, INC. | 4192 PENINSULA POINT SANFORD, FL 32771 | ALFAC | $741 | $0 | $741 | 0.69% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA, INC. | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | HUMANA INSURANCE COMPANY | $1K | $389 | $1K | 13.13% |
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 | 175 | 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) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 328 | $2.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 328 | $2.6M |
| Vision | HUMANA INSURANCE COMPANY | 149 | $11K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 328 | $2.6M |
| Other | ALFAC | 120 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 328 | — |
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.