| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 | P.O. BOX 162207 ALTAMONTE SPRINGS, FL 32716 | ALLSTATE | $12K | — | $12K | 22.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HCC LIFE EIN 76-0336636 INSURANCE SERVICES | Insurance services Service code 23 | 225 TOWNPARK DRIVE, SUITE 350 KENNESAW, GA 30144 | $97K |
| HEALTHSCOPE BENEFITS INC EIN 71-0847266 THIRD PARTYADMINISTRATOR | Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 27 CORPORATE HILL DRIVE LITTLE ROCK, AR 72205 | $59K |
| AETNA LIFE INSURANCE/COFINITY/AHH EIN 59-2411584 INSURANCE SERVICES | Other insurance fees and expenses; Insurance services Service code 23 | — | $32K |
| INSURANCE OFFICE OF AMERICA EIN 59-2472656 BROKER | Insurance agents and brokers Service code 22 | 4915 W CYPRESS STREET TAMPA, FL 33607 | $20K |
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 | 183 | 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) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLSTATE | 183 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.