| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 | 4915 WEST CYPRESS STREET, SUITE 100 TAMPA, FL 33607 | BLUE CROSS BLUE SHIELD OF FLORIDA | $120K | $0 | $120K | 4.49% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 17757 US HIGHWAY 19N, SUITE 660 CLEARWATER, FL 33764 | BLUE CROSS BLUE SHIELD OF FLORIDA | $41K | $0 | $41K | 1.51% |
| INSURANCE OFFICE OF AMERICA3 | 4915 WEST CYPRESS STREET, SUITE 100 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $4K | $20K | 12.61% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 83 NORTH PARK PLACE BOULEVARD SUITE 101 CLEARWATER, FL 33759 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 3.84% |
| INSURANCE OFFICE OF AMERICA3 | 4915 WEST CYPRESS STREET, SUITE 100 TAMPA, FL 33607 | FLORIDA COMBINED LIFE | $5K | $0 | $5K | 3.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 83 PARK PLACE BOULEVARD, SUITE 101 CLEARWATER, FL 33759 | FLORIDA COMBINED LIFE | $527 | $0 | $527 | 0.38% |
| ROBIN PONCE3 Filed as: ROBIN W. PONCE | 2849 ROXBURY ROAD WINTER PARK, FL 32789 | AFLAC | $4K | $230 | $4K | 14.37% |
| INS OFFICE OF AMERICA INC3 Filed as: INS. OFFICE OF AMER. & OTHER AGENTS | 100 GALLERIA PARKWAY SE ATLANTA, GA 30339 | AFLAC | $910 | $0 | $910 | 3.50% |
| INSURANCE OFFICE OF AMERICA3 | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | AFLAC | $588 | $0 | $588 | 2.26% |
| CINDY DEBRA WEISS3 | PO BOX 149505 ORLANDO, FL 32814 | AFLAC | $525 | $28 | $553 | 2.13% |
| MARIO BONURA3 | 1882 LAUREL BROOK LOOP CASSELBERRY, FL 32707 | AFLAC | $517 | $28 | $545 | 2.10% |
| A & M BONURA & ASSOCIATES INC3 Filed as: A AND M BONURA AND ASSOCIATES, INC. | 1882 LAUREL BROOK LOOP CASSELBERRY, FL 32707 | AFLAC | $353 | $26 | $379 | 1.46% |
| TEAM WEISS AND ASSOC LLC3 Filed as: TEAM WEISS AND ASSOCIATES, LLC | PO BOX 149505 ORLANDO, FL 32814 | AFLAC | $235 | $26 | $261 | 1.00% |
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 | 267 | 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) | 267 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 219 | $2.7M |
| Dental | FLORIDA COMBINED LIFE | 238 | $139K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 267 | $157K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 267 | $157K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 267 | $157K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 267 | $157K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 219 | $2.7M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 267 | $183K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.