| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OMS INSURANCE GROUP3 Filed as: OMS INSURANCE GROUP LLC | PO BOX 2 LAKELAND, FL 33802 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $9K | $9K | 3.33% |
| UMR, INC.3 Filed as: UMR INC | 11 SCOTT ST STE 100 WASAU, WI 54403 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $1K | $1K | 0.52% |
| OMS INSURANCE GROUP3 Filed as: OMS INSURANCE GROUP LLC | PO BOX 2 LAKELAND, FL 33815 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $3K | $4K | 7.56% |
| HARRISON-DAVIS INC3 Filed as: HARRISON DAVIS INC | 5426 BAY CENTER DR SUITE 550 TAMPA, FL 33609 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $31 | — | $31 | 0.06% |
| OMS INSURANCE GROUP3 Filed as: OMS INSURANCE GROUP LLC | 26 LAKE WIRE DR LAKELAND, FL 33815 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| OMS OF NORTHWEST FLORIDA INC3 Filed as: OMS OF NORTHWEST FLORIDA | PO BOX 1097 SANTA ROSA BEACH, FL 32459 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $267 | — | $267 | 5.86% |
| JOEY MIGUES3 Filed as: JOEY GRUBBS BENEFITS LLC | 4527 ARGYLE LN TALLAHASSEE, FL 32309 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.24% |
| PRATT & ASSOCIATES INC3 Filed as: PRATT & ASSOCIATES | 177 SAVONA WAY NORTH VENICE, FL 34275 | AFLAC | $72 | — | $72 | 2.93% |
| RICHARD E DRESSER3 Filed as: RICHARD W BLOUNT | 842 PINCKNEY LN THE VILLAGES, FL 32162 | AFLAC | $30 | — | $30 | 1.22% |
| ALVIS B RIESENBERG3 | 2645 DAYTIME CT GULF BREEZE, FL 32563 | AFLAC | $19 | — | $19 | 0.77% |
| ROBERT L TRAPNELL JR3 | 15 N INDIAN RIVER DR APT 705 COCOA, FL 32922 | AFLAC | $17 | — | $17 | 0.69% |
| A VIC DAVIES3 | 123 MAIN ST ATLANTA, GA 31999 | AFLAC | $8 | — | $8 | 0.33% |
| DAWN T SUCHECKI3 Filed as: DAWN SUCHECKI | 3850 VINE STREET SUITE 130 RIVERSIDE, CA 92507 | AFLAC | $3 | — | $3 | 0.12% |
| DAWN T SUCHECKI3 Filed as: DAWN SUCHECKI | 225 S WATER ST WILMINGTON, NC 28401 | AFLAC | $1 | — | $1 | 0.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $112K |
| OMS INSURANCE GROUP EIN 59-3757026 BROKER | Other commissions Service code 55 | PO BOX 2 LAKELAND, FL 33802 | $49K |
| OPTUMRX INC EIN 33-0441200 PHARMACY BENEFIT MANAGEME | Float revenue; Other fees; Direct payment from the plan; Claims processing Service code 12 | — | $32K |
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 | 136 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 77 | $56K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 77 | $56K |
| Life insurance(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 136 | $22K |
| Short-term disability(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 136 | $22K |
| Stop-loss / reinsurancereinsurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 110 | $560K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.