| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE ROAD 434 STE 100 LONGWOOD, FL 32750 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $10K | — | $10K | 9.91% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE ROAD 434 LONGWOOD, FL 327505069 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $5K | 14.18% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE ROAD 434 LONGWOOD, FL 327505069 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $5K | 14.18% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE ROAD 434 LONGWOOD, FL 327505069 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $271 | $2K | 17.14% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE ROAD 434 LONGWOOD, FL 327505069 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $480 | $2K | 14.13% |
| INSURANCE OFFICE OF AMERICA3 | 4915 W CYPRESS ST STE TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $913 | — | $913 | 10.00% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE ROAD 434 LONGWOOD, FL 32750 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $412 | $412 | 4.51% |
| INSURANCE OFFICE OF AMERICA3 | 4915 W CYPRESS ST STE 100 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $570 | — | $570 | 10.01% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE ROAD 434 LONGWOOD, FL 32750 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $242 | $242 | 4.25% |
| 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 | $295 | — | $295 | 10.45% |
| INSURANCE OFFICE OF AMERICA4 | 2056 VISTA PARKWAY STE 350 WEST PALM BEACH, FL 33411 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $95 | — | $95 | 3.37% |
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 | 128 | 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) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 124 | $101K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 124 | $101K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 219 | $12K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 217 | $34K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 219 | $38K |
| Other(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 219 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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.