| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 4915 W CYPRESS ST TAMPA, FL 33607 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $74K | $74K | 5.36% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 4915 W CYPRESS ST TAMPA, FL 33607 | CIGNA HEALTH AND LIFE INSURANCE | $16K | $1K | $17K | 10.67% |
| INSURANCE OFFICE OF AMERICA3 | 4915 W CYPRESS ST STE 100 TAMPA, FL 336073846 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $4K | $19K | 19.72% |
| DAILY FEATS INC5 | 22 PEARK ST FL 3 CAMBRIDGE, MA 021394095 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.36% |
| SEE ATTACHED LIST3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $97 | $1K | 25.65% |
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 | 222 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE | 141 | $158K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 219 | $1.4M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 219 | $1.4M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 222 | $95K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 222 | $95K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 222 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.