| 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 | $38K | — | $38K | 6.57% |
| INSURANCE OFFICE OF AMERICA3 | 4915 W. CYPRESS STREET SUITE 100 TAMPA, FL 336073846 | HEALTH OPTIONS | $9K | — | $9K | 6.00% |
| INS OFFICE OF AMERICA INC3 | 1855 WEST STATE RD 434 LONGWOOD, FL 32750 | HUMANA | $10K | $4K | $15K | 15.41% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS-SEE ATTACHED | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | $4K | $17K | 57.57% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS-SEE ATTACHED | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13K | $5K | $17K | 63.61% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS-SEE ATTACHED | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $1K | $5K | 58.06% |
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 | 98 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 100 | 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 | 81 | $730K |
| Dental | HUMANA | 128 | $96K |
| Vision | HUMANA | 128 | $96K |
| Life insurance | HUMANA | 128 | $96K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 81 | $730K |
| Other(4 contracts, 2 carriers) | HUMANA | 128 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.