| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $7K | — | $7K | 1.84% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE ROAD 434 LONGWOOD, FL 327505069 | METROPOLITAN LIFE INSURANCE COMPANY | $35K | $2K | $37K | 10.35% |
| INSURANCE OFFICE OF AMERICA3 | 4915 W CYPRESS ST STE 100 TAMPA, FL 336073846 | BLUE CROSS BLUE SHIELD OF FLORIDA | $14K | — | $14K | 6.00% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA, INC. | 1855 W STATE ROAD 434 LONGWOOD, FL 327505069 | KAISER FOUNDATION HEALTH PLAN INC | $7K | — | $7K | 6.72% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCS | 3001 WESTOWN PKWY WEST DES MOINES, IA 502661328 | KAISER FOUNDATION HEALTH PLAN INC | -$1K | — | -$1K | -1.00% |
| BROKERS HOLDING GROUP3 Filed as: 35 BROKERS | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28K | — | $28K | 27.42% |
| INSURANCE COMPANY OF AMERICA3 Filed as: INSURANCE COMPANY OF AMERICA INC | 1855 W STATE RD 434 LONGWOOD, FL 327505069 | COMPBENEFITS | $3K | — | $3K | 7.19% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCS | 14850 N SCOTTSDALE RD STE 280 SCOTTSDALE, AL 85254 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $722 | — | $722 | 2.18% |
| IOA - INSURANCE OFFICE OF AMERICA3 Filed as: IOA INSURANCE OFFICE | 1855 W STATE RD STE 434 LONGWOOD, FL 32750 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $441 | — | $441 | 1.33% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCS | 14850 N SCOTTSDALE RD STE 280 SCOTTSDALE, AZ 85254 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $309 | — | $309 | 3.49% |
| IOA - INSURANCE OFFICE OF AMERICA3 Filed as: IOA INSURANCE OFFICE | 1855 W STATE RD STE 434 LONGWOOD, FL 32750 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $177 | — | $177 | 2.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCS | 14850 N SCOTTSDALE RD STE 280 SCOTTSDALE, AZ 85254 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $514 | — | $514 | 5.83% |
| IOA - INSURANCE OFFICE OF AMERICA3 Filed as: IOA INSURANCE OFFICE | 1855 W STATE RD STE 434 LONGWOOD, FL 32750 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $294 | — | $294 | 3.34% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE ROAD 434 LONGWOOD, FL 327505069 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $673 | $228 | $901 | 13.39% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 W STATE ROAD 434 LONGWOOD, FL 327505069 | COMPBENEFITS | $408 | — | $408 | 9.30% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE ROAD 434 LONGWOOD, FL 327505069 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $306 | $126 | $432 | 14.11% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCS | 14850 N SCOTTSDALE RD STE 280 SCOTTSDALE, AZ 85254 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $110 | — | $110 | — |
| IOA - INSURANCE OFFICE OF AMERICA3 Filed as: IOA INSURANCE OFFICE | 1855 W STATE RD STE 434 LONGWOOD, FL 32750 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $79 | — | $79 | — |
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 | 1,103 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 61 | $377K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,006 | $358K |
| Vision(3 contracts, 2 carriers) | COMPBENEFITS | 250 | $60K |
| Life insurance(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,006 | $373K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 235 | $9K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 235 | $33K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 66 | $230K |
| Other(5 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,006 | $467K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,006 | — |
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.