| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 | 4915 W CYPRESS ST. TAMPA, FL 33607 | BLUE CROSS BLUE SHIELD OF FLORIDA | $69K | — | $69K | 4.29% |
| INS OFFICE OF AMERICA INC-TAMPA3 Filed as: INS OFFICE OF AMERICA INC - TAMPA | 1855 W STATE ROAD #434 LONGWOOD, FL 32750 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $12K | — | $12K | 9.89% |
| ENROLLMENT ALLIANCE LLC3 | 1302 NORTH 19 STREET SUITE 150 TAMPA, FL 33605 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 12.37% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 10.51% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2461 W STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $88 | — | $88 | 0.88% |
| TOKAT MURAT3 | 1100 CLEVELAND ST APT 113 CLEARWATER, FL 33755 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.07% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2461 W STATE ROAD 426 STE 2021 OVIEDO, FL 32765 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $715 | — | $715 | 8.26% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $399 | — | $399 | 4.61% |
| TOKAT MURAT3 | 1100 CLEVELAND ST APT 113 CLEARWATER, FL 33755 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $50 | — | $50 | 0.58% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $334 | — | $334 | 4.09% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2461 W STATE ROAD 426 STE 2021 OVIEDO, FL 32765 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $152 | — | $152 | 1.86% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $593 | — | $593 | 9.35% |
| ENROLLMENT ALLIANCE LLC3 | 1302 NORTH 19 STREET SUITE 150 TAMPA, FL 33605 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $562 | — | $562 | 8.86% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2461 W STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $351 | — | $351 | 8.62% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $167 | — | $167 | 4.10% |
| TOKAT MURAT3 | 1100 CLEVELAND ST APT 113 CLEARWATER, FL 33755 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $39 | — | $39 | 0.96% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19 | — | $19 | 3.07% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2461 W STATE ROAD 426 STE 2021 OVIEDO, FL 32765 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 1.29% |
| TOKAT MURAT3 | 1100 CLEVELAND ST APT 113 CLEARWATER, FL 33755 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.16% |
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 | 169 | 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) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 109 | $1.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 188 | $122K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 188 | $122K |
| Life insurance | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 6 | $619 |
| Other(5 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 40 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.