| 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 | $54K | $3K | $58K | 4.45% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $3K | $13K | 19.32% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $212 | $17 | $229 | 5.77% |
| WORKSITE BENEFITS SOLUTION LLC3 | 2622 WYMAN CIRCLE KISSIMEE, FL 34744 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $54 | $8 | $62 | 1.56% |
| SARAH WEYMOUTH3 | 107 OCEAN TERRACE INDIALANTIC, FL 32903 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $48 | $3 | $51 | 1.29% |
| DEBRA DAIGLE AMOEDO3 Filed as: DEBRA AMOEDO | 12750 GRECO DRIVE ORLANDO, FL 32824 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $38 | $1 | $39 | 0.98% |
| JENNIFER WEYMOUTH RESMONDO3 Filed as: JENNIFER WEYMOUTH LLC | 2940 OAKTREE DRIVE KISSIMEE, FL 34744 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $27 | $3 | $30 | 0.76% |
| CALVON Y BUCZKOWSKI3 Filed as: CALVON BUCZKOWSKI | 2608 TALL MAPLE LOOP OCOEE, FL 34761 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $24 | $3 | $27 | 0.68% |
| COLLETTE G BOISVERT3 Filed as: COLLETTE BOISVERT AND OTHER AGENTS | 349 CENTRAL STREET MANCHESTER, NH 03103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | $5 | $15 | 0.38% |
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 | 307 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 22 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 329 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 292 | $1.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 292 | $1.3M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 292 | $1.3M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 3,071 | $68K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 3,071 | $68K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 3,071 | $68K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 292 | $1.3M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 3,071 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,071 | — |
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.