| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | HEALTH OPTIONS, INC | $84K | $0 | $84K | 6.00% |
| INSURANCE OFFICE OF AMERICA3 | 1855 WEST STATE ROAD 434 SUITE 250 LONGWOOD, FL 32750 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | $11K | $31K | 9.37% |
| D J FISHER & ASSOC INC3 Filed as: D.J. FISHER AND ASSOCIATES, INC. | 4117 FAIRVIEW VISTA POINT APARTMENT 202 ORLANDO, FL 32804 | AFLAC | $38K | $1K | $39K | 18.67% |
| DH2 ENTERPRISES INC3 Filed as: DH2 ENTERPRISES, INC. | 13313 FALCON POINT DRIVE ORLANDO, FL 32837 | AFLAC | $4K | $22 | $4K | 2.02% |
| TRACI R BATTEN3 Filed as: TRACI BATTEN AND OTHER AGENTS | 3150 PERIMETER PARKWAY, SUITE 115 AUGUSTA, GA 30909 | AFLAC | $2K | $84 | $2K | 0.91% |
| TLW VENTURES LLC3 Filed as: TLW VENTURES, LLC | 9825 SANDY PINES ROAD CLERMONT, FL 34711 | AFLAC | $535 | $146 | $681 | 0.32% |
| TERESA A RUCKER3 Filed as: TERESA RUCKER | 6248 BORDEAUX CIRCLE SANFORD, FL 32771 | AFLAC | $584 | $0 | $584 | 0.28% |
| A & M BONURA & ASSOCIATES INC3 Filed as: A AND M BONURA AND ASSOCIATES, INC. | 1882 LAUREL BROOK LOOP CASSELBERRY, FL 32707 | AFLAC | $430 | $0 | $430 | 0.20% |
| STACEY JOHNSON3 | 103 KAYWOOD DRIVE SANFORD, FL 32771 | AFLAC | $260 | $36 | $296 | 0.14% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | BLUE CROSS BLUE SHIELD OF FLORIDA | $6K | $0 | $6K | 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 | 295 | 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) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC | 189 | $1.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 295 | $328K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 295 | $328K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 295 | $328K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 295 | $328K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 295 | $328K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC | 189 | $1.5M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 295 | $543K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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.