| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 | 4915 W CYPRESS ST STE 100 TAMPA, FL 336073846 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $100K | — | $100K | 16.72% |
| PREPARE BENEFITS, LLC5 | 10524 MOSS PARK RD #206-306 ORLANDO, FL 32832 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $29K | $29K | 4.89% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA, INC. | 1855 W STATE ROAD 434 LONGWOOD, FL 32750 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $26K | $26K | 4.33% |
| INSURANCE OFFICE OF AMERICA3 | P.O. BOX 162207 ALTAMONTE SPRINGS, FL 32716 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| BARRY OLFERN AND ASSOC. INC4 | 954 TYLER ST HOLLYWOOD, FL 33019 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $720 | — | $720 | 5.00% |
| INSURANCE OFFICE OF AMERICA4 | 2056 VISTA PARKWAY STE 350 WEST PALM BEACH, FL 33411 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $95 | — | $95 | 0.66% |
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 | 903 | 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) | 903 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,302 | $79K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 903 | $596K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 903 | $596K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 903 | $596K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 903 | $610K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,302 | — |
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.