| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 | 4915 W. CYPRESS STREET SUITE 100 TAMPA, FL 336073846 | BLUE CROSS BLUE SHIELD OF FLORIDA | $39K | — | $39K | 6.01% |
| INSURANCE OFFICE OF AMERICA3 | 4915 W. CYPRESS STREET SUITE 100 TAMPA, FL 336073846 | HEALTH OPTIONS | $11K | — | $11K | 6.00% |
| INSURANCE OFFICE OF AMERICA3 | W. STATE ROAD 434 SUITE LONGWOOD, FL 32750 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $6K | $14K | 14.17% |
| ENROLLMENT ALLIANCE LLC3 Filed as: ENROLLMENT ALLIANCE | 3030 N ROCKY POINT DR SUITE 150 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 10.22% |
| INSURANCE OFFICE OF AMERICA3 | P.O. BOX 162207 ALTAMONTE SPRINGS, FL 32716 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 4.38% |
| SEE ATTACHED LIST & VAR ADDRESSES3 Filed as: SEE ATTACHED LIST AND VAR ADDRESSES | 9113 79TH AVENUE SEMINOLE, FL 33777 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 29.22% |
| SEE ATTACHED LIST3 | 9113 79 TH AVE SEMINOLE, FL 33777 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 21.73% |
| SEE ATTACHED LIST & VAR ADDRESSES3 Filed as: SEE ATTACHED LISTING & VAR ADDRESSE | 9113 79TH AVE SEMINOLE, FL 33777 | AMERICAN HERITAGE LIFE INS CO | $2K | — | $2K | 21.73% |
| SEE ATTACHED LIST & VAR ADDRESSES3 | 9113 79TH AVE SEMINOLE, FL 33777 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 22.73% |
| SEE ATTACHED LIST & VAR ADDRESSES3 | 9113 79TH AVE SEMINOLE, FL 33777 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 27.63% |
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 | 165 | 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) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 99 | $830K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 165 | $97K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 165 | $97K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 165 | $97K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 99 | $830K |
| Other(7 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 165 | $200K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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.