| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 4370 LA JOLLA VILLAGE DRIVE SAN DIEGO, CA 92122 | AETNA HEALTH INC. | $0 | $46K | $46K | 5.86% |
| INSURANCE OFFICE OF AMERICA3 | 130 VANTIS ALISO VIEJO, CA 92656 | AETNA HEALTH INC. | $0 | $4K | $4K | 0.54% |
| 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 | $13K | $0 | $13K | 8.84% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $0 | $5K | 3.35% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 4370 LA JOLLA VILLAGE DRIVE SAN DIEGO, CA 92122 | AETNA LIFE INSURANCE COMPANY | $0 | $7K | $7K | 5.59% |
| INSURANCE OFFICE OF AMERICA3 | 130 VANTIS ALISO VIEJO, CA 92656 | AETNA LIFE INSURANCE COMPANY | $0 | $734 | $734 | 0.56% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | AETNA LIFE INSURANCE COMPANY | $0 | $38 | $38 | 0.03% |
| RLT FINANCIAL ASSOC INC3 Filed as: RLT FINANCIAL ASSOCIATION INC | 17036 FOX TRAIL LANE LOXAHATCHEE, FL 33470 | AFLAC | $4K | $0 | $4K | 5.23% |
| OMZ ENTERPRISES LLC3 | 5413 54TH WAY WEST PALM BEACH, FL 33409 | AFLAC | $4K | $204 | $4K | 5.10% |
| L A D FINANCIAL CORP3 Filed as: L A D FINANCIAL CORPORATION | 13308 ALTON ROAD PALM BEACH GARDEN, FL 33418 | AFLAC | $2K | $0 | $2K | 2.67% |
| RND FINANCIAL ASSOCIATES INC3 Filed as: RND FINANCIAL AND MISC AGENTS | 605 UNIVERSAL BOULEVARD SUITE T816 JUNO BEACH, FL 33408 | AFLAC | $2K | $0 | $2K | 2.25% |
| THOMPSON AND THOMPSON FINANCIAL INC3 | 17036 FOX TRAIL LANE LOXAHATCHEE, FL 33470 | AFLAC | $1K | $0 | $1K | 1.68% |
| MICHAEL FISH3 | 7801 NORTH FEDERAL HIGHWAY BUILDING 8 BOCA RATON, FL 33487 | AFLAC | $850 | $130 | $980 | 1.16% |
| AILEEN KEENAN3 Filed as: AILEEN M KEENAN | 9603 NW 36TH COURT CORAL SPRINGS, FL 33065 | AFLAC | $546 | $0 | $546 | 0.65% |
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 | 144 | 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) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH INC. | 121 | $911K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 144 | $142K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 144 | $142K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 144 | $142K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 144 | $142K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH INC. | 121 | $911K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 144 | $226K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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.