| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INS OFFICE OF AMERICA INC3 Filed as: INS OFFICE OF AMERICA, INC. | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | HUMANA INSURANCE COMPANY | $3K | $2K | $5K | 12.57% |
| WORKSITE AMERICA LLC3 Filed as: WORKSITE AMERICA | 14141 46TH STREET NORTH, SUITE 1209 CLEARWATER, FL 33762 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $2K | $5K | 15.52% |
| INSURANCE OFFICE OF AMERICA3 | 4915 WEST CYPRESS STREET, SUITE 100 TAMPA, FL 33607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 6.95% |
| WORKSITE AMERICA LLC3 Filed as: WORKSITE AMERICA | 14141 46TH STREET NORTH, SUITE 1209 CLEARWATER, FL 33762 | UNUM INSURANCE COMPANY | $2K | $0 | $2K | 14.01% |
| INSURANCE OFFICE OF AMERICA3 | 4915 WEST CYPRESS STREET, SUITE 100 TAMPA, FL 33607 | UNUM INSURANCE COMPANY | $788 | $2 | $790 | 7.16% |
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 | 106 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 55 | $37K |
| Vision | HUMANA INSURANCE COMPANY | 55 | $37K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 106 | $34K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 106 | $34K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 106 | $34K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 106 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 106 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.