| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE. ROAD 434 LONGWOOD, FL 32750 | METROPOLITAN LIFE INSURANCE COMPANY | $43K | $79 | $43K | 10.44% |
| BENETEK CORPORATION | 6277 SEA HARBOR DR ORLANDO, FL 32821 | METROPOLITAN LIFE INSURANCE COMPANY | — | $11K | $11K | 2.78% |
| INSURANCE OFFICE OF AMERICA3 | 100 GALLERIA PARKWAY - SUITE 600 ATLANTA, GA 30339 | TRUSTMARK INSURANCE COMPANY | $3K | — | $3K | 5.92% |
| VOLUNTARY BENEFITS AT WORK3 | 1820 THE EXCHANGE SE - SUITE 750 ATLANTA, GA 30339 | TRUSTMARK INSURANCE COMPANY | $3K | — | $3K | 5.90% |
| BRIAN D ELY3 | 2121 NEWMARKEY PRKWY SE- SUITE 100 MARIETTA, GA 30067 | TRUSTMARK INSURANCE COMPANY | $11 | — | $11 | 0.02% |
| VOLUNTARY BENEFITS AT WORK3 | 1820 THE EXCHANGE SE - SUITE 750 ATLANTA, GA 30339 | TRUSTMARK INSURANCE COMPANY | $3K | — | $3K | 7.07% |
| INSURANCE OFFICE OF AMERICA3 | 100 GALLERIA PARKWAY - SUITE 600 ATLANTA, GA 30339 | TRUSTMARK INSURANCE COMPANY | $3K | — | $3K | 7.07% |
| INSURANCE OFFICE OF AMERICA3 | 100 GALLERIA PARKWAY - SUITE 600 ATLANTA, GA 30339 | TRUSTMARK INSURANCE COMPANY | $3K | — | $3K | 7.11% |
| VOLUNTARY BENEFITS AT WORK3 | 1820 THE EXCHANGE SE - SUITE 750 ATLANTA, GA 30339 | TRUSTMARK INSURANCE COMPANY | $3K | — | $3K | 7.08% |
| BRIAN D ELY3 | 2121 NEWMARKEY PRKWY SE- SUITE 100 MARIETTA, GA 30067 | TRUSTMARK INSURANCE COMPANY | $17 | — | $17 | 0.04% |
| BRIAN D ELY3 | 3000 WINDY HILL RD SE MARIETTA, GA 30067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 7.49% |
| INSURANCE OFFICE OF AMERICA3 | 201 S PINELLAS AVENUE TARPON SPRINGS, FL 34689 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 7.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD HEALTHCARE EIN 58-1638390 | Other services; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator Service code 12 | — | $350K |
| LUMINARE HEALTH BENEFITS, INC. EIN 35-1846036 | Other services; Claims processing; Plan Administrator Service code 12 | — | $117K |
| ANTHEM EIN 95-4331852 | Claims processing; Other services Service code 12 | — | $94K |
| INSURANCE OFFICE OF AMERICA INC EIN 59-2472656 | Consulting (general); Insurance agents and brokers Service code 16 | — | $50K |
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 | 328 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 328 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TRUSTMARK INSURANCE COMPANY | 179 | $60K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 831 | $412K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 831 | $412K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 831 | $459K |
| Short-term disability | TRUSTMARK INSURANCE COMPANY | 126 | $52K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 831 | $412K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 831 | $412K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 831 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.