| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 W STATE ROAD 434 LONGWOOD, FL 32750 | HUMANA MEDICAL PLAN, INC. | $67K | $13K | $80K | 5.23% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 1661 WORTHINGTON RD STE 175 WEST PALM BEACH, FL 33409 | HUMANA MEDICAL PLAN, INC. | $15K | — | $15K | 0.97% |
| INSURANCE OFFICE OF AMERICA3 | 4915 W CYPRESS ST STE 100 TAMPA, FL 336073846 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 10.94% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA, INC | 1855 W STATE ROAD 434 LONGWOOD, FL 32750 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 4.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL, INC | 1661 WORTHINGTON RD STE 175 WEST PALM BEACH, FL 33409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 4.06% |
| DAILY FEATS INC5 | 22 PEARK ST FL 3 CAMBRIDGE, MA 021394095 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 2.44% |
| SEE ATTACHED LIST3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $689 | $3K | 39.28% |
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 | 240 | 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) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA MEDICAL PLAN, INC. | 139 | $1.5M |
| Dental | HUMANA MEDICAL PLAN, INC. | 139 | $1.5M |
| Vision | HUMANA MEDICAL PLAN, INC. | 139 | $1.5M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 240 | $105K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 240 | $105K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 240 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.