| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | HEALTH OPTIONS | $52K | $0 | $52K | 6.00% |
| THOMPSON AND THOMPSON FINANCIAL INC3 Filed as: THOMPSON AND THOMPSON | 17036 FOX TRAIL LANE LOXAHATCHEE, FL 33470 | AFLAC | $3K | $0 | $3K | 5.11% |
| RLT FINANCIAL ASSOC INC3 Filed as: RLT FINANCIAL ASSOC. INC. | 17036 FOX TRAIL LANE LOXAHATCHEE, FL 33470 | AFLAC | $2K | $0 | $2K | 3.60% |
| LAD FINANCIAL CORP3 Filed as: LAD FINANCIAL AND VAR AGENTS | 3800 NORTH OCEAN DRIVE SUITE 1450 SINGER ISLAND, FL 33404 | AFLAC | $1K | $0 | $1K | 2.29% |
| RND FINANCIAL ASSOCIATES INC3 | 12103 SW BAYBERRY AVENUE PORT SAINT LUCIE, FL 34987 | AFLAC | $455 | $0 | $455 | 0.84% |
| STEVE D SERVI3 | 6421 CONGRESS AVENUE SUITE 100 BOCA RATON, FL 33487 | AFLAC | $426 | $0 | $426 | 0.79% |
| LAD FINANCIAL CORP3 | 4531 CADIZ CIRCLE PALM BEACH, FL 33418 | AFLAC | $379 | $0 | $379 | 0.70% |
| SALLY L PITTMAN3 | 9372 COXWELL LANE JACKSONVILLE, FL 32221 | AFLAC | $342 | $0 | $342 | 0.63% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | BLUE CROSS BLUE SHIELD OF FLORIDA | $460 | $0 | $460 | 6.00% |
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 | 166 | 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) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 104 | $880K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 166 | $0 |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 166 | $0 |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 166 | $54K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 166 | $0 |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 104 | $880K |
| Other(2 contracts, 2 carriers) | AFLAC | 166 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.