| 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 | SUN LIFE ASSURANCE COMPANY OF CANADA | $16K | $0 | $16K | 5.68% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL | PO BOX 203383 DALLAS, TX 75320 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | $2K | $11K | 3.96% |
| USI INSURANCE SERVICES LLC3 | 2400 EAST COMMERCIAL BOULEVARD SUITE 600 FORT LAUDERDALE, FL 33308 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17K | $0 | $17K | 28.24% |
| WHITNEY C RUSSELL3 Filed as: WHITNEY C. RUSSELL | 2765 WINDSOR GATE LANE ORLANDO, FL 32828 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | $0 | $13K | 22.50% |
| MJ INSURANCE3 Filed as: JILLIAN DOERFLER AND VARIOUS AGENTS | 613 SELKIRK DRIVE WINTER PARK, FL 32792 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 6.56% |
| BRIVEN JACKSON3 | 3338 ARDEN VILLAS BOULEVARD APARTMENT 25 ORLAND, FL 32817 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 5.94% |
| STEVEN J PERRY3 Filed as: STEVEN J. PERRY | 1650 SAND LAKE ROAD, SUITE 201D ORLANDO, FL 32809 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 5.82% |
| GALCON, LLC3 Filed as: GALCON LLC | 4539 WHEELHOUSE COURT ORLANDO, FL 32812 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 5.79% |
| ARTIS J. HARDWICK3 | 4515 WHEEL HOUSE COURT ORLANDO, FL 32812 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 5.49% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA, INC. | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 6.54% |
| USI INSURANCE SERVICES LLC3 | 301 EAST PINE STREET, SUITE 240 ORLANDO, FL 32801 | UNITEDHEALTHCARE INSURANCE COMPANY | $955 | $0 | $955 | 3.44% |
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 | 792 | 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) | 792 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 792 | $276K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 209 | $28K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 792 | $276K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 792 | $276K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 792 | $276K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 792 | $335K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 792 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.