| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $40K | $44K | 5.15% |
| INSURANCE OFFICE OF AMERICA3 | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $9K | 19.50% |
| JILLIAN DOERFLER3 | 613 SELKIRK DRIVE WINTER PARK, FL 32792 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 9.66% |
| THE PERRY GROUP INC3 | 1650 SAND LAKE ROAD, SUITE 201D ORLANDO, FL 32809 | CONTINENTAL AMERICAN INSURANCE COMPANY | $826 | $0 | $826 | 2.04% |
| JULIANA GONZALES3 | 206 AQUA WAY OVIEDO, FL 32765 | CONTINENTAL AMERICAN INSURANCE COMPANY | $704 | $0 | $704 | 1.74% |
| DONOVAN PETERKIN3 | 515 KEY COURT ORLANDO, FL 32828 | CONTINENTAL AMERICAN INSURANCE COMPANY | $411 | $0 | $411 | 1.02% |
| MELISSA CASTRO3 | 4954 SIESTA OAK LOOP WINTER PARK, FL 32792 | CONTINENTAL AMERICAN INSURANCE COMPANY | $225 | $0 | $225 | 0.56% |
| MJ INSURANCE3 Filed as: STEVEN PERRY AND VARIOUS AGENTS | 1650 SAND LAKE ROAD, SUITE 201D ORLANDO, FL 32809 | CONTINENTAL AMERICAN INSURANCE COMPANY | $206 | $0 | $206 | 0.51% |
| YVONNE PABON3 | 2841 CLIPPER COVE LANE KISSIMMEE, FL 34741 | CONTINENTAL AMERICAN INSURANCE COMPANY | $153 | $0 | $153 | 0.38% |
| ROB VEST4 | 280 BLUE BEND ROAD ROCKY MOUNT, VA 24151 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $5K | $0 | $5K | 29.38% |
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 | 116 | 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) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 296 | $852K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 296 | $852K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 296 | $852K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $44K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $44K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 296 | $852K |
| Other(4 contracts, 4 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 296 | $955K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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.