| 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 | $69K | $0 | $69K | 6.00% |
| INSURANCE OFFICE OF AMERICA3 | 1855 WEST STATE ROAD 434 SUITE 250 LONGWOOD, FL 32750 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | $9K | $26K | 8.92% |
| D J FISHER & ASSOC INC3 Filed as: D.J. FISHER AND ASSOCIATES INC. | 4117 FAIRVIEW VISTA POINT APARTMENT 202 ORLANDO, FL 32804 | AFLAC | $29K | $3K | $32K | 18.39% |
| TLW VENTURES LLC3 | 614 EAST HIGHWAY 50, SUITE 338 CLERMONT, FL 34711 | AFLAC | $3K | $218 | $3K | 1.73% |
| MJ INSURANCE3 Filed as: PAUL BLACK AND VARIOUS AGENTS | 7623 LODGE POLE TRAIL WINTER PARK, FL 32792 | AFLAC | $2K | $541 | $3K | 1.59% |
| LISA BERTIN-QUEENA3 | 1674 CANTON LANE OVIEDO, FL 32765 | AFLAC | $1K | $797 | $2K | 1.16% |
| TERESA A RUCKER3 Filed as: TERESA RUCKER | 6248 BORDEAUX CIRCLE SANFORD, FL 32771 | AFLAC | $955 | $425 | $1K | 0.80% |
| A & M BONURA & ASSOCIATES INC3 Filed as: A AND M BONURA AND ASSOCIATES INC. | 1882 LAUREL BOOK LOOP CASSELBERRY, FL 32707 | AFLAC | $535 | $0 | $535 | 0.31% |
| STACEY JOHNSON3 | 103 KAYWOOD DRIVE SANFORD, FL 32771 | AFLAC | $499 | $0 | $499 | 0.29% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | BLUE CROSS BLUE SHIELD OF FLORIDA | $4K | $0 | $4K | 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 | 304 | 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) | 304 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 200 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 304 | $286K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 304 | $286K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 304 | $286K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 304 | $286K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 304 | $286K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 200 | $1.2M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 304 | $460K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 304 | — |
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.