| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 | 4915 W CYPRESS ST STE 100 TAMPA, FL 336073846 | HEALTH OPTIONS INC | $46K | — | $46K | 4.50% |
| INSURANCE OFFICE OF AMERICA3 | 4915 W CYPRESS ST STE 100 TAMPA, FL 336073846 | BLUE CROSS BLUE SHIELD OF FLORIDA | $7K | — | $7K | 4.50% |
| INSURANCE OFFICE OF AMERICA3 | 4915 W CYPRESS ST STE 100 TAMPA, FL 336072846 | FLORIDA COMBINED LIFE | $6K | — | $6K | 9.87% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE ROAD 434 LONGWOOD, FL 327505069 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE ROAD 434 LONGWOOD, FL 327505069 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 4.40% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE ROAD 434 LONGWOOD, FL 327505069 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE ROAD 434 LONGWOOD, FL 327505069 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 4.40% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE ROAD 434 LONGWOOD, FL 327505069 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE ROAD 434 LONGWOOD, FL 327505069 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $648 | $648 | 4.59% |
| INSURANCE OFFICE OF AMERICA3 | 4915 W CYPRESS ST STE 100 TAMPA, FL 33607 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE ROAD 434 LONGWOOD, FL 327505069 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE ROAD 434 LONGWOOD, FL 327505069 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $491 | $491 | 4.42% |
| INSURANCE OFFICE OF AMERICA3 | 4915 W CYPRESS ST STE TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $652 | — | $652 | 10.00% |
| INSURANCE OFFICE OF AMERICA3 | 4915 W CYPRESS ST STE 100 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $55 | $55 | 0.84% |
| INSURANCE OFFICE OF AMERICA3 | 4915 W CYPRESS ST STE 100 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $630 | — | $630 | 10.00% |
| INSURANCE OFFICE OF AMERICA3 | 4915 W CYPRESS ST STE 100 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $60 | $60 | 0.95% |
| BARRY OLFERN AND ASSOC. INC4 Filed as: BARRY OLFERN AND ASSOCIATES INC | 954 TYLER ST HOLLYWOOD, FL 33019 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $437 | — | $437 | 17.68% |
| AVG INSURANCE GROUP, INC.4 Filed as: AVG INSURANCE GROUP INC | 4510 SW 153RD PL MIAMI, FL 33185 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $184 | — | $184 | 7.44% |
| SUSAN SWITZER4 | 715 SW 42ND PL DAVIE, FL 33314 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $29 | — | $29 | 1.17% |
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 | 200 | 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) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 11 | $145K |
| Dental | FLORIDA COMBINED LIFE | 126 | $56K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 181 | $13K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 200 | $11K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 200 | $32K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 200 | $36K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS INC | 135 | $1.2M |
| Other(6 contracts, 3 carriers) | FLORIDA COMBINED LIFE | 200 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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.