| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 | 4915 W CYPRESS ST STE 100 TAMPA, FL 336073846 | BLUE CROSS BLUE SHIELD OF FLORIDA | $64K | — | $64K | 6.00% |
| INSURANCE OFFICE OF AMERICA3 | 4915 CYPRESS STREET STE 100 TAMPA, FL 336073846 | FLORIDA COMBINED LIFE | $5K | — | $5K | 8.84% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W. STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | AMERICAN HERITAGE INSURANCE COMPANY | $4K | — | $4K | 8.32% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | O. O. BOX 162207 ALTAMONTE SPRINGS, FL 32716 | AMERICAN HERITAGE INSURANCE COMPANY | $2K | — | $2K | 4.39% |
| DAVID D HOWES3 | 2461 W STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | AMERICAN HERITAGE INSURANCE COMPANY | $973 | — | $973 | 1.86% |
| MURAT TOKAT3 | 14816 SWIFTWATER WAY TAMPA, FL 33625 | AMERICAN HERITAGE INSURANCE COMPANY | $256 | — | $256 | 0.49% |
| INSURANCE OFFICE OF AMERICA3 | 4915 CYPRESS STREET STE 100 TAMPA, FL 336073846 | BLUE CROSS BLUE SHIELD OF FLORIDA | $3K | — | $3K | 6.00% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE ROAD 434 LONGWOOD, FL 327505069 | AXIS INSURANCE COMPANY | $2K | — | $2K | 10.57% |
| INSURANCE OFFICE OF AMERICA3 | 4915 CYPRESS STREET STE 100 TAMPA, FL 336073846 | FLORIDA COMBINED LIFE | $2K | — | $2K | 11.43% |
| INSURANCE OFFICE OF AMERICA3 | 4915 CYPRESS STREET STE 100 TAMPA, FL 336073846 | SUPERIOR VISION PLAN | $811 | — | $811 | 10.00% |
| INSURANCE OFFICE OF AMERICA3 | 4915 CYPRESS STREET STE 100 TAMPA, FL 336073846 | FLORIDA COMBINED LIFE | $308 | — | $308 | 14.81% |
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)(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 121 | $1.1M |
| Dental(2 contracts, 2 carriers) | AXIS INSURANCE COMPANY | 47 | $35K |
| Vision(2 contracts, 2 carriers) | AXIS INSURANCE COMPANY | 110 | $30K |
| Life insurance(3 contracts, 3 carriers) | AMERICAN HERITAGE INSURANCE COMPANY | 28 | $76K |
| Long-term disability | AMERICAN HERITAGE INSURANCE COMPANY | 24 | $52K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 121 | $1.1M |
| Other(2 contracts, 2 carriers) | FLORIDA COMBINED LIFE | 69 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.