| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA, INC | 1855 W STATE ROAD 434 LONGWOOD, FL 32750 | STANDARD INSURANCE COMPANY | $3K | $2K | $5K | 6.12% |
| THAXTON GROUP, INC.3 | 501 EAST KENNEDY BLVD SUITE 1000 TAMPA, FL 33602 | STANDARD INSURANCE COMPANY | $259 | — | $259 | 0.32% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HCC LIFE EIN 76-0336636 INSURANCE SERVICES | Insurance services Service code 23 | 225 TOWNPARK DRIVE, SUITE 350 KENNESAW, GA 30144 | $100K |
| AETNA LIFE INSURANCE/AHH EIN 59-2411584 INSURANCE SERVICES | Insurance services; Other insurance fees and expenses Service code 23 | — | $33K |
| INSURANCE OFFICE OF AMERICA EIN 59-2472656 BROKER | Insurance agents and brokers Service code 22 | 4915 W CYPRESS STREET TAMPA, FL 33607 | $17K |
| SHEA BARKLAY BROKER | Insurance agents and brokers Service code 22 | 214 MEADOW BLVD SANFORD, FL 32771 | $6K |
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 | 154 | 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) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 138 | $80K |
| Vision | STANDARD INSURANCE COMPANY | 138 | $80K |
| Life insurance | STANDARD INSURANCE COMPANY | 138 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.