| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | $1K | $11K | 7.04% |
| ANDREW CONNORS3 | 2251 ALEXANDER DRIVE TITUSVILLE, FL 32796 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 3.38% |
| INSURANCE OFFICE OF AMERICA3 | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $3K | $15K | 15.85% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 W STATE ROAD 434 LONGWOOD, FL 32750 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $170 | $52 | $222 | 0.24% |
| INSURANCE OFFICE OF AMERICA3 | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $2K | $0 | $2K | 9.90% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 210 SOUTH PINELLAS AVENUE SUITE 176 TARPON SPRINGS, FL 32750 | CONTINENTAL AMERICAN INSURANCE COMPANY | $416 | $0 | $416 | 15.23% |
| ANDREW CONNORS3 | 3448 WILLIS DRIVE TITUSVILLE, FL 32796 | CONTINENTAL AMERICAN INSURANCE COMPANY | $275 | — | $275 | 10.07% |
| CHRISTOPHER HIGGINS3 Filed as: CHRISTOPHER MICHAEL HIGGINS | 2030 UMBRELLA TREE DRIVE EDGEWATER, FL 32141 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36 | — | $36 | 1.32% |
| DH2 ENTERPRISES INC3 | 7802 KINGSPOINTE PARKWAY SUITE 208A ORLANDO, FL 32819 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.95% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 140 FOUNTAIN PARKWAY N, SUITE 600 SAINT PETERSBURG, FL 33716 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | — | $19 | 0.70% |
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 | 180 | 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) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 345 | $162K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 270 | $18K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 180 | $92K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 180 | $92K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 180 | $92K |
| Other(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 345 | $256K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 345 | — |
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.