| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VERITAS RISK SERVICES3 | 1900 SPRING RD., STE. 530 OAK BROOK, IL 60523 | AIG BENEFIT SOLUTIONS | $25K | — | $25K | 7.29% |
| INSURANCE OFFICE OF AMERICA3 | 130 VANTIS ALISO VIEJO, CA 92656 | AETNA LIFE INSURANCE CO. | $4K | — | $4K | 5.36% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH ST PHOENIX, AZ 85018 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 2.46% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 185 W. STATE ROAD STE. 434 LONGWOOD, FL 32750 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $944 | $4K | 12.35% |
| INS OFFICE OF AMERICA INC-TAMPA3 Filed as: INS OFFICE OF AMERICA INC-LONGWOOD | 1855 W STATE RD 434 LONGWOOD, FL 32750 | HUMANA INSURANCE COMPANY | $793 | — | $793 | 10.00% |
| INS OFFICE OF AMERICA INC-TAMPA3 Filed as: INS OFFICE OF AMERICA INC - TAMPA | 1855 WEST STATE RD 434 LONGWOOD, FL 32750 | HUMANA INSURANCE COMPANY | — | $92 | $92 | 1.16% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W. STATE RD. STE. 434 LONGWOOD, FL 32750 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $567 | $190 | $757 | 12.11% |
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 | 140 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 49 | $165K |
| Dental(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 88 | $234K |
| Vision | HUMANA INSURANCE COMPANY | 53 | $8K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 140 | $6K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 126 | $29K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 49 | $165K |
| Stop-loss / reinsurancereinsurance | AIG BENEFIT SOLUTIONS | 117 | $347K |
| Other(2 contracts, 2 carriers) | AIG BENEFIT SOLUTIONS | 140 | $354K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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.