| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | HEALTH OPTIONS, INC. | $55K | — | $55K | 6.00% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA, INC. | 1855 WEST STATE ROAD 434, SUITE 250 LONGWOOD, FL 32750 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $3K | $18K | 12.45% |
| RLT FINANCIAL ASSOC INC3 Filed as: RLT FINANCIAL ASSOCIATES INC | 17036 FOX TRAIL LANE LOXAHATCHEE, FL 33470 | AFLAC | $4K | $89 | $4K | 6.30% |
| THOMPSON AND THOMPSON FINANCIAL INC3 Filed as: THOMPSON AND THOMPSON FINANCIAL | 1706 FOX TRAIL LANE LOXAHATCHEE, FL 33470 | AFLAC | $2K | $0 | $2K | 2.22% |
| MJ INSURANCE3 Filed as: SALLY L PITTMAN AND VARIOUS AGENTS | 9372 COXWELL LANE JACKSONVILLE, FL 32221 | AFLAC | $1K | $48 | $1K | 1.74% |
| L A D FINANCIAL CORP3 Filed as: L A D FINANCIAL CORPORATION | 3800 NORTH OCEAN DRIVE, SUITE 1450 SINGER ISLAND, FL 33404 | AFLAC | $599 | $0 | $599 | 0.84% |
| RND FINANCIAL ASSOCIATES INC3 Filed as: RND FINANCIAL ASSOCIATES INC. | 12103 SW BAYBERRY AVENUE PORT SAINT LUCIE, FL 34987 | AFLAC | $583 | $0 | $583 | 0.82% |
| STEVE D SERVI3 | 1451 WEST CYPRESS CREEK ROAD SUSITE 300 FORT LAUDERDALE, FL 33309 | AFLAC | $390 | $27 | $417 | 0.59% |
| JUAN C SOSA3 | 7875 RED RIVER ROAD WEST PALM BEACH, FL 33411 | AFLAC | $366 | $13 | $379 | 0.53% |
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 | 151 | 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) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH OPTIONS, INC. | 123 | $909K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 151 | $143K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 151 | $143K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 151 | $143K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 151 | $143K |
| Prescription drug | HEALTH OPTIONS, INC. | 123 | $909K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 151 | $214K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.