| 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 | $65K | — | $65K | 5.50% |
| INSURANCE OFFICE OF AMERICA3 | 4915 W. CYPRESS STREET STE 100 TAMPA, FL 336073846 | FLORIDA COMBINED LIFE | $6K | — | $6K | 7.78% |
| SHANA FAISON3 | 4800 DEERWOOD CAMPUS PARKWAY # DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $115 | — | $115 | 0.15% |
| INSURANCE OFFICE OF AMERICA3 | 4915 W CYPRESS STREET STE 100 TAMPA, FL 336073846 | BLUE CROSS BLUE SHIELD OF FLORIDA | $2K | — | $2K | 5.50% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W. STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | AMERICAN HERITAGE INSURANCE COMPANY | $3K | — | $3K | 8.06% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | P.O. BOX 162207 ALTAMONTE SPRINGS, FL 32716 | AMERICAN HERITAGE INSURANCE COMPANY | $1K | — | $1K | 3.84% |
| DAVID D HOWES3 | 2461 W STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | AMERICAN HERITAGE INSURANCE COMPANY | $347 | — | $347 | 0.89% |
| MURAT TOKAT3 | 14816 SWIFTWATER WAY TAMPA, FL 33625 | AMERICAN HERITAGE INSURANCE COMPANY | $210 | — | $210 | 0.54% |
| INSURANCE OFFICE OF AMERICA3 | 4915 W. CYPRESS STREET STE 100 TAMPA, FL 336073846 | SUPERIOR VISION PLAN | $1K | — | $1K | 10.00% |
| INSURANCE OFFICE OF AMERICA3 | 4915 W. CYPRESS STREET STE 100 TAMPA, FL 336073846 | FLORIDA COMBINED LIFE | $913 | — | $913 | 7.67% |
| SHANA FAISON3 | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $39 | — | $39 | 0.33% |
| INSURANCE OFFICE OF AMERICA3 | 4915 W. CYPRESS STREET STE 100 TAMPA, FL 336073846 | FLORIDA COMBINED LIFE | $279 | — | $279 | 14.48% |
| SHANA FAISON3 | 4800 DEERWOOD CAMPUS PARKWAY #DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $17 | — | $17 | 0.88% |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 124 | $1.2M |
| Dental | FLORIDA COMBINED LIFE | 40 | $12K |
| Vision | SUPERIOR VISION PLAN | 90 | $13K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE INSURANCE COMPANY | 79 | $41K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 124 | $1.2M |
| Other(3 contracts, 2 carriers) | FLORIDA COMBINED LIFE | 82 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.