| 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 | 6.00% |
| INSURANCE OFFICE OF AMERICA3 | 4915 W. CYPRESS STREET SUITE 100 TAMPA, FL 336073846 | HEALTH OPTIONS | $12K | — | $12K | 6.00% |
| INS OFFICE OF AMERICA INC3 | 1855 WEST STATE RD 434 LONGWOOD, FL 32750 | HUMANA | $12K | $5K | $17K | 15.21% |
| BERNIE FALCO3 | 1855 WEST STATE RD 434 LONGWOOD, FL 32750 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 13.62% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS SEE ATTACHED* | — | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 215.22% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS SEE ATTACHED* | — | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $445 | — | $445 | 191.81% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS SEE ATTACHED* | — | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $822 | — | $822 | 446.74% |
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 | 162 | 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) | 162 | 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 | 80 | $849K |
| Dental | HUMANA | 137 | $112K |
| Vision | HUMANA | 137 | $112K |
| Life insurance(4 contracts, 2 carriers) | HUMANA | 137 | $113K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 80 | $849K |
| Other(5 contracts, 2 carriers) | HUMANA | 137 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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.