| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA4 Filed as: INSURANCE OFFICE OF AMERICA INC | 4915 WEST CYPRESS STREET SUITE 100 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 9.16% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 4915 WEST CYPRESS STREET SUITE 100 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $565 | $565 | 1.18% |
| ENROLLMENT ALLIANCE LLC3 Filed as: ENROLLMENT ALLIANCE | 1724 EAST 5TH AVENUE TAMPA, FL 33605 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21K | — | $21K | 46.69% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 17.39% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 4915 WEST CYPRESS STREET SUITE 100 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 13.80% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 4915 WEST CYPRESS STREET SUITE 100 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $574 | $574 | 2.48% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 4915 WEST CYPRESS STREET SUITE 100 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $995 | — | $995 | 9.19% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 4915 WEST CYPRESS STREET SUITE 100 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $246 | $246 | 2.27% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 4915 WEST CYPRESS STREET SUITE 100 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $695 | — | $695 | 9.17% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 4915 WEST CYPRESS STREET SUITE 100 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $175 | $175 | 2.31% |
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. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 90 | $48K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 74 | $8K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 133 | $34K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 214 | $439K |
| Other(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 133 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.