| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 | 130 VANTIS, SUITE 250 ALISO VIEJO, CA 92656 | AETNA HEALTH, INC. | $0 | $43K | $43K | 6.34% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | $0 | $10K | 14.99% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 3875 HOPYARD ROAD, SUITE 240 PLEASANTON, CA 94588 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $3K | $3K | 3.77% |
| THOMPSON AND THOMPSON FINANCIAL INC3 | 17036 FOX TRAIL LANE LOXAHATCHEE, FL 33470 | AFLAC | $2K | $178 | $3K | 3.81% |
| RLT FINANCIAL ASSOC INC3 Filed as: RLT FINANACIAL ASSOC. INC. | 17036 FOX TRAIL LANE LOXAHATCHEE, FL 33470 | AFLAC | $2K | $20 | $2K | 3.16% |
| MJ INSURANCE3 Filed as: TAMARA HAYGOOD AND VARIOUS AGENTS | 3017 ANGORA BAY DRIVE MIDDLEBURG, FL 32068 | AFLAC | $2K | $19 | $2K | 2.34% |
| RND FINANCIAL ASSOCIATES INC3 Filed as: RND FINANACIAL ASSOCIATES INC. | 12103 SW BAYBERRY AVENUE PORT SAINT LUCIE, FL 34987 | AFLAC | $534 | $0 | $534 | 0.81% |
| L A D FINANACIAL CORPORATION3 | 4531 CADIZ CIRCLE PALM BEACH GARDENS, FL 33418 | AFLAC | $438 | $40 | $478 | 0.72% |
| SALLY L PITTMAN3 Filed as: SALLY PITTMAN | 9372 COXWELL LANE JACKSONVILLE, FL 32221 | AFLAC | $315 | $46 | $361 | 0.55% |
| STEVE SERVI3 | 6127 SOUTH RAINBOW BOULEVARD SUITE 110 LAS VEGAS, NV 89118 | AFLAC | $228 | $40 | $268 | 0.41% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | UNION SECURITY INSURANCE COMPANY | $5K | $0 | $5K | 7.89% |
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 | 138 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA HEALTH, INC. | 127 | $674K |
| Dental | UNION SECURITY INSURANCE COMPANY | 86 | $65K |
| Vision | UNION SECURITY INSURANCE COMPANY | 86 | $65K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 138 | $68K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 138 | $68K |
| Prescription drug | AETNA HEALTH, INC. | 127 | $674K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 138 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.