| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $69K | — | $69K | 15.85% |
| WORLD INSURANCE ASSOCIATES LLC3 | 14821 SOUTH DIXIE HIGHWAY MIAMI, FL 33176 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $7K | — | $7K | 9.89% |
| MORRIS & REYNOLDS INC3 | 14821 SOUTH DIXIE HIGHWAY MIAMI, FL 33176 | USABLE LIFE | $6K | — | $6K | 21.23% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PARKWAY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $274 | — | $274 | 0.90% |
| WORLD INSURANCE ASSOCIATES LLC3 | 14821 SOUTH DIXIE HIGHWAY MIAMI, FL 33176 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 18.45% |
| MORRIS & REYNOLDS INC3 | 14821 SOUTH DIXIE HIGHWAY MIAMI, FL 33176 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $443 | — | $443 | 1.55% |
| WORLD INSURANCE ASSOCIATES LLC3 | 14821 SOUTH DIXIE HIGHWAY MIAMI, FL 33176 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $233 | — | $233 | 10.02% |
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 | 128 | 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) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 116 | $78K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 116 | $75K |
| Life insurance | USABLE LIFE | 128 | $30K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 83 | $29K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 123 | $438K |
| Other | USABLE LIFE | 128 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.
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.