| 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 | $280K | $75K | $356K | 19.04% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $691 | $691 | 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 | $72K | $15K | $87K | 7.46% |
| MJ INSURANCE3 Filed as: ANTHONY VESTAL AND VARIOUS AGENTS | 8437 STARLIGHT LOOP PARRISH, FL 34219 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58K | $13K | $71K | 6.13% |
| SAMUEL K RENNARD3 Filed as: SAMUEL RENNARD | 1409 ALLISON AVENUE ALTAMONTE SPRINGS, FL 32701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46K | $2K | $48K | 4.11% |
| WILLIAM RENNARD3 | 3001 ALOMA AVENUE WINTER PARK, FL 32792 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11K | $4K | $15K | 1.27% |
| BARBARA RENNARD3 | 3001 ALOMA AVENUE, SUITE 116 WINTER PARK, FL 32792 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15K | $5 | $15K | 1.27% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | UNKNOWN TAMPA, FL 33607 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $0 | $10K | 0.90% |
| PAMELA ANN BURCHETTE3 Filed as: PAMELA BURCHETE | 15118 B JANUS ROAD BILOXI, MS 39532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $197 | $4K | 0.38% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $90K | $24K | $115K | 12.70% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $0 | $20K | 6.81% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | ARAG INSURANCE COMPANY | $8K | $0 | $8K | 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 | 3,923 | 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) | 3,934 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,738 | $902K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,327 | $290K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,923 | $1.9M |
| Short-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,923 | $3.0M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,923 | $1.9M |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,923 | $3.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,923 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.