| 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 | $47K | — | $47K | 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 33607 | HUMANA INSURANCE COMPANY | $4K | $4K | $8K | 10.12% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE ROAD 434 LONGWOOD, FL 327505069 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $5K | 14.38% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE ROAD 434 LONGWOOD, FL 327505069 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $5K | 14.38% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE ROAD 434 LONGWOOD, FL 327505069 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $611 | $3K | 18.54% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE ROAD 434 LONGWOOD, FL 327505069 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $501 | $2K | 14.43% |
| INSURANCE OFFICE OF AMERICA3 | 4915 W CYPRESS ST STE TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $764 | $316 | $1K | 14.14% |
| INSURANCE OFFICE OF AMERICA3 | 4915 W CYPRESS ST STE 100 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $596 | $275 | $871 | 14.61% |
| 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 | $363 | — | $363 | 12.86% |
| INSURANCE OFFICE OF AMERICA4 | 2056 VISTA PARKWAY WEST PALM BEACH, FL 33411 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $53 | — | $53 | 1.88% |
| 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 | $47 | — | $47 | 1.66% |
| SUSAN SWITZER4 | 715 SW 42ND PL DAVIE, FL 33314 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $28 | — | $28 | 0.99% |
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 | 209 | 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) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 151 | $158K |
| Dental | HUMANA INSURANCE COMPANY | 106 | $83K |
| Vision | HUMANA INSURANCE COMPANY | 106 | $83K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 209 | $11K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 209 | $33K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 209 | $37K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS INC | 151 | $1.2M |
| Other(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 209 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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.