| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 W STATE RD 434 LONGWOOD, FL 32750 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $158K | $158K | 3.75% |
| INSURANCE OFFICE OF AMERICA | 1855 W STATE RD 434 LONGWOOD, FL 32750 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $98K | $19K | $117K | 13.37% |
| INSURANCE OF AMERICA Filed as: INSURANCE OF AMERICA INC | 1855 W STATE RD 434 LONGWOOD, FL 32750 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38K | $8K | $46K | 12.39% |
| WORKSITE BENEFITS SOLUTION LLC Filed as: WORKSITE BENEFITS SOLUTIONS LLC | 2622 WYMAN CIR KISSIMMEE, FL 34744 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $3K | $12K | 3.22% |
| SARAH WEYMOUTH Filed as: SARAH WEYMOUTH LLC | 107 OCEAN TERR INDIATLANTIC, FL 32903 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $2K | $9K | 2.39% |
| CALVON Y BUCZKOWSKI Filed as: CALVON BUCZKOWSKI | 204 COVERED BRIDGE DR OCOEE, FL 34761 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | 1.70% |
| JENNIFER WEYMOUTH RESMONDO Filed as: JENNIFER WEYMOUTH LLC | 2940 OAKTREE DR KISSIMMEE, FL 34744 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $1K | $5K | 1.31% |
| MICHEAL G BOYCE | 518 TENNESSEE AVE SAINT CLOUD, FL 34769 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 1.27% |
| KENNETH A HOLDER | 870 GREENSHANK DR HAINES CITY, FL 33844 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $41 | $3K | 0.90% |
| LIZBETH RAMON | 16128 APPENNINE DR BROOKSVILLE, FL 34601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $443 | $3K | 0.83% |
| COLLEEN ODONNELL PRUITT | 4937 WANSLEY DR ORLANDO, FL 32812 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $28 | $3K | 0.82% |
| OMAR ENRIQUE FIGUEROA | 3424 DOUGLAS CT KISSIMMEE, FL 34746 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $197 | $2K | 0.57% |
| DEBRA DAIGLE AMOEDO | 12750 GRECO DR ORLANDO, FL 32824 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $20 | $2K | 0.43% |
| LIZBETH RAMON Filed as: LIZBETH NUNEZ | 16128 APPENNINE DR BROOKSVILLE, FL 34601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $73 | $1K | 0.33% |
| COLLETTE G BOISVERT | 349 CENTRAL ST MANCHESTER, NH 03103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $842 | $260 | $1K | 0.29% |
| EDWARD THOMAS CARPENTER | 67 LAKE HENRY DR LAKE PLACID, FL 33852 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $451 | $226 | $677 | 0.18% |
| EDWARD D SOMMER Filed as: EDWARD GUY JR | 716 RED FERN RD TALLAHASSEE, FL 32308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $467 | $20 | $487 | 0.13% |
| JOEL SAMANDARI LUCAS | 2129 S BELAIR DR MOSES LAKE, WA 98837 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $223 | $7 | $230 | 0.06% |
| CARUSO INSURANCE BENEFITS INC | 10872 WILDERNESS CT ORLANDO, FL 32821 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $196 | $0 | $196 | 0.05% |
| LISA LOUISE ROBBERSON Filed as: LISA LOUISE ROBERSON | 13120 102ND LN NE #3 KIRKLAND, WA 98034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $171 | $2 | $173 | 0.05% |
| DWIGHT OTTO JACKSON | 1980 NE 167TH ST APT 2 NORTH MIAMI BEACH, FL 33162 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $170 | $0 | $170 | 0.05% |
| ROBERT HYLTON | 6287 GARRETT ST JUPITER, FL 33458 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $143 | $0 | $143 | 0.04% |
| JOSEPH LEE WROBLEWSKI | P.O. BOX 1222 LYNN HAVEN, FL 32444 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $134 | $5 | $139 | 0.04% |
| JUDY INEZ BUCHOLTZ | 12517-217TH AVE CT E BONNEY LAKE, WA 98391 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $97 | $6 | $103 | 0.03% |
| MELODY ANN OVERLAND | 7009 WEST MCMAHON WAY PEORIA, FL 85345 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $95 | $0 | $95 | 0.03% |
| YESENIA A SANCHEZ Filed as: YESENIA SANCHEZ | 1021 DELBRIDGE AVE ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $83 | $0 | $83 | 0.02% |
| BIANCA NAVARRO | 4082 NORTH 10TH ST HAINES CITY, FL 33844 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | $0 | $77 | 0.02% |
| FRANCHESKA FERNANDEZ DIAZ | 2030 ESTANCIA CIR KISSIMMEE, FL 34744 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | $5 | $77 | 0.02% |
| SILVIA AGUILAR ALVISO | 5809 ALIMAR DR LAS VEGAS, NV 89130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | $0 | $62 | 0.02% |
| GENE ALVISO | 5809 ALIMAR DR LAS VEGAS, NV 89130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | $0 | $59 | 0.02% |
| VICTOR FERREIRA | P.O. BOX 1372 VAIL, AZ 85641 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | $0 | $53 | 0.01% |
| CAROLE H WARREN Filed as: CAROLE WARREN | 2716 HANOVER CIR S APT 801 BIRMINGHAM, AL 35205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | $0 | $42 | 0.01% |
| JENNIFER LOUISE WENKE | 9040 TOWN CENTER PKWY LAKEWOOD RANCH, FL 34202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $18 | $38 | 0.01% |
| PAMELA COPLE SMITH | 411 HIGHLAND DR SEATTLE, WA 98109 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | $0 | $36 | 0.01% |
| ASHTON BROCK | 1708 LAUREL ST MOBILE, AL 36604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | $0 | $35 | 0.01% |
| CARYL ESTES | 15907 ASH WAY UNIT C609 LYNNWOOD, WA 98087 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | $0 | $33 | 0.01% |
| MEGAN ELIZABETH CASTO | 10340 CARNEY DR SE OLYMPIA, WA 98501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $9 | $29 | 0.01% |
| PJ SKELTON LLC | 1580 CLUB CREEK DR AUBURN, AL 36830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | $0 | $24 | 0.01% |
| DEBORAH TEAL HANCOCK | 436 COUNTRY PINE RD HAINES CITY, FL 33844 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $0 | $23 | 0.01% |
| JOEY MIGUES Filed as: JOEY GRUBBS BENEFITS LLC | 525 TAYLOR RD MONITCELLO, FL 32344 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $3 | $21 | 0.01% |
| CHRISTINE LYNN MORGESTER | 14913 S SUNTERRA LOOP OREGON CITY, OR 97045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.00% |
| MARGARITA MACIAS-CHARBONIER | 3649 LANA CIRCLE TALLAHASSEE, FL 32308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $0 | $17 | 0.00% |
| GIOMARIS IRIZARRY-SANTIAGO | 14238 FREDRICKSBURG DR #320 ORLANDOI, FL 32837 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | 0.00% |
| ANDRES RAMIREZ | 7568 MISSION PALM ST LAS VEGAS, NV 89139 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $0 | $15 | 0.00% |
| HOWARD L WEATHERS Filed as: HOWARD WEATHERS | 1119 ROSEWOOD DR TALLAHASSEE, FL 32301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.00% |
| ROBERT SHAVERS | 63 SPRING FOREST TRAIL SHARPSBURG, GA 30277 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.00% |
| THE MEEHAN AGENCY LLC | 1924 DOWN HOLLOW LN WINDEMERE, FL 34786 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $4 | $13 | 0.00% |
| AU SOLUTIONS CORP | 2013 FAULK DR TALLAHASSEE, FL 32303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.00% |
| DAVID MERKHOFER | 2704 SETTER PL TALLAHASSEE, FL 32303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.00% |
| MERI HOWARD | 8465 W SAHARA AVE LAS VEGAS, NV 89117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $1 | $12 | 0.00% |
| GINAKES & ASSOCIATES LLC | 1020 W INTERNATIONAL SPEEDWAY DAYTONA BEACH, FL 32114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $5 | $11 | 0.00% |
| CAROLE J CASELLA | 106 WARVIEW DR PALM BEACH GARDENS, FL 33418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.00% |
| J WILSON AGENCY LLC | 15518 SE 133RD ST RENTON, WA 98059 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.00% |
| CHRISTINA BIEBER | 12827 WOODMILL DR PALM BEACH GARDENS, FL 33418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.00% |
| STEPHANIE TOTARAM | 2716 PEARL CT KISSIMMEE, FL 34743 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $4 | $8 | 0.00% |
| ALFORD INSURANCE SERVICES INC Filed as: ALFORD INS SERVICES INC | 868 STONE RD GRAND RIDGE, FL 32442 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.00% |
| ROXANA BUSCHMAN | 400 NORTHEAST 149TH ST VANCOUVER, WA 98685 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| MARQUEZ BENEFIT GROUP LLC | 8601 N BLACK CANYON HWY PHOENIX, AZ 85021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $1 | $5 | 0.00% |
| LOIDA MATOS | 4417 13TH ST PMB 165 SAINT CLOUD, FL 34769 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.00% |
| VIVIAN LORENA CLIFTON | 7349 ULMERTON RD LOT 275 LARGO, FL 33771 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.00% |
| NORWOOD BENEFIT SERVICES INC Filed as: NORWOOD BENEFITS SERVICES INC | 6478 LONG BREEZE RD ORLANDO, FL 32810 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $1 | $4 | 0.00% |
| CREATIVE BENEFIT CONSULTANTS INC Filed as: CREATIVE BENEFITS CONSULTANTS INC | 18214 102ND WAY S STE 100 BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.00% |
| WILLIAM RENNARD | 3001 ALOMA AVE STE 116 WINTER PARK, FL 32792 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $1 | $4 | 0.00% |
| CHRISTINE SEMANA | 2410 W RUTHTAUFF RD SUITE 110 TUCSON, AZ 85705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.00% |
| DOMESTIC SUPPLY LLC | 707 S GRADY WAY STE 550 RENTON, WA 98057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| KRISTY LYNN HUNT | 2013 FAULK DR TALLAHASSEE, FL 32303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| BARBARA C BRENLOVE Filed as: BARBARA BRENLOVE | P.O. BOX 470701 KISSIMMEE, FL 34747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| WORKSITE AMERICA LLC | 14141 46TH ST NORTH CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.00% |
| D'ARCIPRETE & ASSOCIATES INC | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| ROBERT H STONE SR | 3604 COVENTRY CIR VESTAVIA HILLS, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| DOUGLAS EDWARD VIESELMEYER | 14405 115TH AVE CT E PUYALLUP, WA 98374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| SABRINA S RAMOS Filed as: SABRINA RAMOS | 13750 W COLONIAL DR STE 350-33 WINTER GARDEN, FL 34787 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| ANTONIO MICHAEL JAMIE | 24345 252ND AVE SE MAPLE VALLEY, WA 98038 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| BRIAN R CHOWNING Filed as: BRIAN CHOWNING | 36241 S GRAYS AIRPORT DR FRUITLAND PARK, FL 34731 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.00% |
| LEWIS ASHTON BROCK III | 8776 SPRINGS GROVE NORTH MOBILE, AL 36695 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| WORKSITE BENEFITS GROUP INC | 112 NW 114TH ST VANCOUVER, WA 98685 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| RICH IN BENEFITS INC | 13109 NE 123RD ST APT P240 KIRKLAND, WA 98034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| SINGLE POINT ENROLLMENT SOLUTIONS Filed as: SINGLE POINT ENROLLMENT SOLUTIONS I | 14716 SW 112 TERR MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| MIS BENEFITS CONSULTANTS INC | 1800 PURDY AVE APT 1415 MIAMI BEACH, FL 33139 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| JOEL N NEWMAN AGENCY LLC | 924-B NW 52ND ST SEATTLE, WA 98107 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| BRITO BENEFITS SOLUTIONS INC | 14716 SOUTHWEST 112 TERR MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| B & B INSURANCE SOLUTIONS INC Filed as: B&B INSURANCE SOLUTIONS INC | 14716 SW 112 TERR MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| BENEFITS BY DESIGNS INC | 2101 NE 279TH ST RIDGEFIELD, WA 98642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| PAMELA WHITFIELD | 646 A AKOAKOA ST LAILUA, HI 96734 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| RONALD AUSTIN WIMBERLEY | P.O. BOX 1097 SANTA ROSA BEACH, FL 32459 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| JOSEPH A STALTARE | 11085 SACCO DR BOCA RATON, FL 33428 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| TAI D SHIN | 9610 LIGHTHEART AVE LAS VEGAS, NV 89148 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| IRENE SHULGIN | 10400 BUENOS AIRES ST COOPER CITY, FL 33026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| SANDRA SIMS | 13750 W COLONIAL DR STE 350 WINTER GARDEN, FL 34787 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| MARK CHARLES MORGAN | 1880 SOUTH DAIRY ASHFORD HOUSTON, TX 77077 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| CHARLES LEONARD HERNANDEZ | 833 SW CURRY ST PORT ST LUCIE, FL 34963 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| ERIC HIRSCHKORN | 718 SE ABLETT LANE PORT ST LUCIE, FL 34984 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| MICHAEL A DUARTE Filed as: MICHAEL DUARTE | 515 DULL ST DICKSON, TN 37055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| CHRISTOPHER ROBERT BERRY | 9222 168TH ST SE SNOHOMISH, WA 98296 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| INSURANCE OFFICE OF AMERICA Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 W STATE RD 434 LONGWOOD, FL 32750 | SUPERIOR VISION PLAN | $4K | $0 | $4K | 10.72% |
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 | 972 | 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) | 972 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 434 | $4.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 972 | $874K |
| Vision | SUPERIOR VISION PLAN | 755 | $42K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 972 | $1.2M |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 972 | $874K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 972 | $874K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 972 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 972 | — |
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.