| 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 | $4K | $2K | $7K | 7.13% |
| INSURANCE OFFICE OF AMERICA3 | 220 LAKE DRIVE E, SUITE 304 CHERRY HILL, NJ 08002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 12.95% |
| ANDREW CONNORS3 | 3448 WILLIS DRIVE TITUSVILLE, FL 32796 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 3.97% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FL, INC. | 83 NORTH PARK PLACE BOULEVARD SUITE 101 CLEARWATER, FL 33759 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 2.66% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 210 SOUTH PINELLAS AVENUE SUITE 176 TARPON SPRINGS, FL 34689 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 2.46% |
| CHRISTOPHER HIGGINS3 | 2030 UMBRELLA TREE DRIVE EDGEWATER, FL 32141 | CONTINENTAL AMERICAN INSURANCE COMPANY | $227 | $0 | $227 | 0.54% |
| DH2 ENTERPRISES INC3 Filed as: DH2 ENTERPRISES INC. | 7802 KINGSPOINTE PARKWAY SUITE 208A ORLANDO, FL 32819 | CONTINENTAL AMERICAN INSURANCE COMPANY | $188 | $0 | $188 | 0.45% |
| 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 | 10.09% |
| INSURANCE OFFICE OF AMERICA3 | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | HARTFORD LIFE AND ACCIDENT | $844 | $48 | $892 | 6.47% |
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 | 179 | 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) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 332 | $97K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 253 | $18K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 179 | $84K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 179 | $84K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 179 | $84K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 179 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.