| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INS OFFICE OF AMERICA INC-TAMPA3 Filed as: INS OFFICE OF AMERICA INC-ATLANTA | 1855 WEST STATE RD 434 LONGWOOD, FL 327505069 | HUMANA MEDICAL PLAN, INC. | $84K | — | $84K | 12.76% |
| CONSUMER GROUP SERVICES SELECT3 Filed as: CONSUMER GROUP SERVICES SELECT INC | 370 OCEAN BLVD GOLDEN BEACH, FL 331602212 | HUMANA MEDICAL PLAN, INC. | -$3K | — | -$3K | -0.47% |
| INS OFFICE OF AMERICA INC-TAMPA3 Filed as: INS OFFICE OF AMERICA INC-ATLANTA | 1855 WEST STATE RD 434 SUITE 250 LONGWOOD, FL 32750 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 6.19% |
| INS OFFICE OF AMERICA INC-TAMPA3 | 1855 WEST STATE RD 434 LONGWOOD, FL 327505069 | HUMANA INSURANCE COMPANY | — | $2K | $2K | 4.04% |
| CONSUMER GROUP SERVICES SELECT3 Filed as: CONSUMER GROUP SERVICES SELECT INC. | 370 OCEAN BLVD GOLDEN BEACH, FL 331602212 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 2.13% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA WPB | 2056 VISTA PKWY SUITE 350 WEST PALM BEACH, FL 334116735 | HUMANA INSURANCE COMPANY | $254 | — | $254 | 0.52% |
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 | 126 | 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) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA MEDICAL PLAN, INC. | 74 | $654K |
| Dental | HUMANA INSURANCE COMPANY | 262 | $49K |
| Vision | HUMANA INSURANCE COMPANY | 262 | $49K |
| Life insurance | HUMANA INSURANCE COMPANY | 262 | $49K |
| Prescription drug | HUMANA MEDICAL PLAN, INC. | 74 | $654K |
| Other | HUMANA INSURANCE COMPANY | 262 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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.