| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | HUMANA MEDICAL PLAN, INC. | $41K | $662 | $42K | 5.39% |
| CRYSTAL IBC LLC3 Filed as: CRYSTAL AND COMPANY | 1 NORTH CLEMATIS STREET, SUITE 305 WEST PALM BEACH, FL 33401 | HUMANA MEDICAL PLAN, INC. | $334 | — | $334 | 0.04% |
| INSURANCE OFFICE OF AMERICA3 | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $10K | — | $10K | 9.89% |
| INSURANCE OFFICE OF AMERICA3 | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 17.52% |
| HOWES, INC.3 | 2461 WEST STATE ROAD 426 SUITE 2021 OVIDEO, FL 32765 | TRUSTMARK VOLUNTARY BENEFIT SOLUTIONS | $222 | — | $222 | 4.30% |
| INSURANCE OFFICE OF AMERICA3 | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | TRUSTMARK VOLUNTARY BENEFIT SOLUTIONS | $112 | — | $112 | 2.17% |
| CRYSTAL IBC LLC3 Filed as: CRYSTAL AND COMPANY | 600 BRICKELL AVENUE, SUITE 2575 MIAMI, FL 33131 | TRUSTMARK VOLUNTARY BENEFIT SOLUTIONS | $31 | — | $31 | 0.60% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2461 WEST STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $174 | — | $174 | 12.27% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $67 | — | $67 | 4.72% |
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 | 176 | 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) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA MEDICAL PLAN, INC. | 148 | $773K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 154 | $96K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 154 | $96K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 176 | $46K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 176 | $46K |
| Prescription drug | HUMANA MEDICAL PLAN, INC. | 148 | $772K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 176 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.