| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA, INC. | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $474K | — | $474K | 19.93% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $971 | $971 | 0.04% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA, INC. | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $92K | $27K | $119K | 8.05% |
| VIVIAN IVELISSE BLASINI3 Filed as: VIVIAN IVELISSE BLASINI AND OTHERS | 2733 BALLARD AVENUE ORLANDO, FL 32833 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66K | $14K | $80K | 5.44% |
| SAMUEL K RENNARD3 Filed as: SAMUEL K. RENNARD | 1409 ALLISON AVENUE ALTAMONTE SPRINGS, FL 32701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58K | $3K | $61K | 4.10% |
| BARBARA RENNARD3 | 3001 ALOMA AVENUE, SUITE 116 WINTER PARK, FL 32792 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18K | $0 | $18K | 1.21% |
| WILLIAM RENNARD3 | 3001 ALOMA AVENUE, SUITE 116 WINTER PARK, FL 32792 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13K | $3K | $16K | 1.09% |
| CLEARON K PALMER3 Filed as: CLEARON K. PALMER | 984 TRAMELLS TRAIL KISSIMMEE, FL 34744 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $5K | $14K | 0.95% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS. SERVICES NATIONAL, INC. | C/O WELLS FARGO INSURANCE TAMPA, FL 33607 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $0 | $9K | 0.61% |
| INSURANCE OFFICE OF AMERICA3 | 1855 WEST SR 434 LONGWOOD, FL 32750 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $131K | $15K | $146K | 11.12% |
| INSURANCE OFFICE OF AMERICA3 | 1855 WEST STATE ROAD, SUITE 434 LONGWOOD, FL 32750 | METROPOLITAN LIFE INSURANCE COMPANY | $39K | $0 | $39K | 11.84% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA, INC. | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | ARAG INSURANCE COMPANY | $11K | $0 | $11K | 10.00% |
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 | 5,298 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 3,381 | $1.3M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 6,016 | $326K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,761 | $2.4M |
| Short-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,761 | $3.9M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,761 | $2.4M |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,761 | $4.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,016 | — |
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.