| 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 | $49K | $49K | 6.33% |
| INSURANCE OFFICE OF AMERICA3 | 130 VANTIS, SUITE 250 ALISO VIEJO, CA 92656 | AETNA LIFE INSURANCE COMPANY | $0 | $8K | $8K | 6.57% |
| INSURANCE OFFICE OF AMERICA3 | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | $0 | $11K | 15.08% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | UNION SECURITY INSURANCE COMPANY | $5K | $1K | $6K | 9.87% |
| RLT FINANCIAL ASSOC INC3 | 17036 FOX TRAIL LANE LOXAHATCHEE, FL 33470 | AFLAC | $2K | $7 | $2K | 3.06% |
| THOMPSON AND THOMPSON FINANCIAL INC3 | 17036 FOX TRAIL LANE LOXAHATCHEE, FL 33470 | AFLAC | $1K | $97 | $2K | 2.62% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES G. BROWN AND VARIOUS AGENTS | 2522 OWENSE LANDING TRAIL NW KENNESAW, GA 30152 | AFLAC | $1K | $91 | $1K | 2.26% |
| RND FINANCIAL ASSOCIATES INC3 Filed as: RND FINANCIAL ASSOC INC | 12103 SW BAYBERRY AVENUE PORT SAINT LUCIE, FL 34987 | AFLAC | $490 | $0 | $490 | 0.81% |
| STEVE D SERVI3 Filed as: STEVE D. SERVI | 6127 SOUTH RAINBOW BOULEVARD SUITE 110 LAS VEGAS, NV 89118 | AFLAC | $191 | $0 | $191 | 0.31% |
| SALLY L PITTMAN3 Filed as: SALLY L. PITTMAN | 9372 COXWELL LANE JACKSONVILLE, FL 32221 | AFLAC | $151 | $17 | $168 | 0.28% |
| L A D FINANCIAL CORP3 Filed as: L A D FINANCIAL CORPORATION | 13308 ALTON ROAD PALM BEACH GARDENS, FL 33418 | AFLAC | $161 | $1 | $162 | 0.27% |
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 | 149 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH INC. | 127 | $907K |
| Dental | UNION SECURITY INSURANCE COMPANY | 105 | $65K |
| Vision | UNION SECURITY INSURANCE COMPANY | 105 | $65K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 136 | $71K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 136 | $71K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH INC. | 127 | $907K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 136 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.