| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | BLUE CROSS BLUE SHIELD OF FLORIDA | $63K | — | $63K | 6.00% |
| INSURANCE OFFICE OF AMERICA3 | 1855 WEST STATE ROAD 434, SUITE 250 LONGWOOD, FL 32750 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $7K | $22K | 9.64% |
| D J FISHER & ASSOC INC3 Filed as: D J FISHER AND ASSOCIATES, INC. | 4117 FAIRVIEW VISTA POINT SUITE 202 ORLANDO, FL 32804 | AFLAC | $29K | $436 | $30K | 17.78% |
| LISA BERTIN-QUEENA3 | 1674 CANTON LANE OVIEDO, FL 32765 | AFLAC | $7K | $17 | $7K | 4.15% |
| TERESA A RUCKER3 Filed as: TERESA RUCKER | 6548 BORDEAUX CIRCLE SANFORD, FL 32771 | AFLAC | $4K | $82 | $5K | 2.71% |
| TLW VENTURES LLC3 Filed as: TLW VENTURES, LLC AND OTHER AGENTS | 614 EAST HIGHWAY 50 338 CLERMONT, FL 34711 | AFLAC | $3K | $56 | $3K | 1.93% |
| PAUL C BLACK3 Filed as: PAUL BLACK | 2002 YORKSHIRE DRIVE WINTER PARK, FL 32792 | AFLAC | $2K | — | $2K | 1.30% |
| LAWRENCE GANSER3 | 1056 DISHMAN LOOP OVIEDO, FL 32765 | AFLAC | $1K | — | $1K | 0.81% |
| JENNIFER M WICKS3 Filed as: JENNIFER WICKS | 1328 QUINTUPLET DRIVE CASSELBERRY, FL 32707 | AFLAC | $1K | — | $1K | 0.74% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | BLUE CROSS BLUE SHIELD OF FLORIDA | $5K | — | $5K | 6.00% |
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 | 246 | 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) | 246 | 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 | 208 | $1.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 246 | $232K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 246 | $232K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 246 | $232K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 246 | $232K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 246 | $232K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 189 | $1.1M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 246 | $398K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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.