| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | — | $18K | 3.08% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 735 BROAD STREET SUITE 100 CHATTANOOGA, TN 37402 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 1.69% |
| ANDREW JUSTIN RAUDENBUSH3 | 2255 GLADES ROAD SUITE 412E BOCA RATON, FL 33431 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE ROAD SUITE 434 LONGWOOD, FL 32750 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 8.73% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 735 BROAD STREET SUITE 608 CHATTANOOGA, TN 37402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $758 | $239 | $997 | 8.25% |
| TAMRA KSIAZEK3 | 804 E. WINDWARD WAY APT 511 LANTANA, FL 33462 | AFLAC | $3K | — | $3K | 27.60% |
| STEVE SERVI3 | 6127 S RAINBOW BLVD SUITE 110 LAS VEGAS, NV 89118 | AFLAC | $717 | — | $717 | 7.10% |
| SUWAT ASSAWAMATIYANONT3 | 8171 HAMPTON WOOD DRIVE BOCA RATON, FL 33433 | AFLAC | $457 | — | $457 | 4.52% |
| STEVEN MARK ABRAMS3 Filed as: STEVEN ABRAMS | 22921 IRONWEDGE DRIVE BOCA RATON, FL 33433 | AFLAC | $29 | — | $29 | 0.29% |
| PAUL A CINNANTE3 Filed as: PAUL CINNANTE | 8486 HEATHER PL BOYNTON BEACH, FL 33472 | AFLAC | $24 | — | $24 | 0.24% |
| EMILY B WAYMAN3 Filed as: EMILY WAYMAN | 1199 SOUTH FEDERAL HIGHWAY SUITE 155 BOCA RATON, FL 33432 | AFLAC | $9 | — | $9 | 0.09% |
| JAVIER ORTIZ3 | 165 NE 96TH STREET MIAMI SHORES, FL 33138 | AFLAC | $7 | — | $7 | 0.07% |
| PLASTRIDGE AGENCY INC3 | 820 NE 6TH AVE DELRAY BEACH, FL 33483 | AFLAC | $4 | — | $4 | 0.04% |
| G SCOTT COOKE3 | 2832 NE 17TH AVE WILTON MANORS, FL 33334 | AFLAC | $4 | — | $4 | 0.04% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE ROAD SUITE 434 LONGWOOD, FL 32750 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $569 | — | $569 | 8.93% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE | 735 BROAD STREET SUITE 608 CHATTANOOGA, TN 37402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $386 | $127 | $513 | 8.05% |
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 | 107 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 109 | $586K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 109 | $586K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 109 | $586K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 109 | $586K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 33 | $12K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 24 | $6K |
| Other | AFLAC | 19 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 109 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.