| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VERITAS RISK SERVICES3 | 1900 SPRING RD., STE. 530 OAK BROOK, IL 60523 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $31K | — | $31K | 7.00% |
| EVERLONG GROUP MED CAPTIVE SVCS.3 | 125 TOWNPARK DR. STE. 300 KENNESAW, GA 30144 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | — | $2K | $2K | 0.56% |
| 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 | $6K | — | $6K | 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 | — | $381 | $381 | 0.62% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC. | 1855 W. STATE RD., STE. 434 LONGWOOD, FL 32750 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| VERITAS RISK SERVICES3 Filed as: VERITAS RISK SERVICES, LLC | 1900 SPRING RD., STE. 530 OAK BROOK, IL 60523 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $3K | — | $3K | 10.00% |
| INS OFFICE OF AMERICA INC-TAMPA3 Filed as: INS OFFICE OF AMERICA - LONGWOOD | 1855 W. STATE RD. 434 LONGWOOD, FL 32750 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 9.28% |
| 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 | — | $179 | $179 | 1.27% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W. STATE RD. STE. 434 LONGWOOD, FL 32750 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $747 | — | $747 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MMSI, INC. EIN 41-1547003 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $66K |
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 | 153 | 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) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 116 | $62K |
| Vision | HUMANA INSURANCE COMPANY | 87 | $14K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 153 | $7K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 133 | $32K |
| Stop-loss / reinsurancereinsurance | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | 135 | $440K |
| Other(3 contracts, 2 carriers) | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | 153 | $475K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.