| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| O&A INSURANCE INC3 Filed as: O & A INSURANCE INC | 315 E BAY STREET SUITE 400 JACKSONVILLE, FL 32202 | AETNA LIFE INSURANCE CO. | $43K | — | $43K | 10.02% |
| O&A INSURANCE INC3 Filed as: O & A INSURANCE INC | 315 E BAY STREET 400 JACKSONVILLE, FL 32202 | AETNA LIFE INSURANCE CO. | $16K | — | $16K | 10.20% |
| O&A INSURANCE SERVICES INC3 Filed as: O&A INSURANCE SERVICES INC. | 315 E BAY STREET SUITE 400 JACKSONVILLE, FL 32202 | HARTFORD LIFE AND ACCIDENT | $16K | — | $16K | 13.73% |
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 | 541 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 541 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 541 | $158K |
| Dental | AETNA LIFE INSURANCE CO. | 541 | $158K |
| Vision | AETNA LIFE INSURANCE CO. | 541 | $158K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 364 | $117K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO. | 275 | $430K |
| Other | HARTFORD LIFE AND ACCIDENT | 364 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 541 | — |
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.