| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 | 4370 LA JOLLA VILLAGE DRIVE SAN DIEGO, CA 92122 | AETNA LIFE INSURANCE COMPANY | $0 | $50K | $50K | 6.00% |
| INSURANCE OFFICE OF AMERICA3 | 3875 HOPYARD ROAD, SUITE 200 PLEASANTON, CA 94588 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | $0 | $7K | 7.10% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, CA 32716 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $0 | $4K | 3.71% |
| RLT FINANCIAL ASSOC INC3 Filed as: RLT FINANCIAL ASSOC. INC. | 17036 FOX TRAIL LANE LOXAHATCHEE, FL 33470 | AFLAC | $2K | $216 | $2K | 3.43% |
| MJ INSURANCE3 Filed as: RND FINANCIAL AND VARIOUS AGENTS | 605 UNIVERSE BOULEVARD APARTMENT 816 JUNO BEACH, FL 33408 | AFLAC | $2K | $43 | $2K | 2.45% |
| THOMPSON AND THOMPSON FINANCIAL INC3 Filed as: THOMPSON & THOMPSON FINANCIAL | 17036 FOX TRAIL LANE LOXAHATCHEE, FL 33470 | AFLAC | $1K | $0 | $1K | 1.70% |
| L A D FINANCIAL CORP3 | 13308 ALTON ROAD PALM BEACH GARDENS, FL 33418 | AFLAC | $726 | $217 | $943 | 1.31% |
| OMZ ENTERPRISES LLC3 | 5413 54TH WAY WEST PALM BEACH, FL 33409 | AFLAC | $624 | $123 | $747 | 1.04% |
| MICHAEL FISH3 | 7801 NORTH FEDERAL HIGHWAY BUILDING 8 BOCA RATON, FL 33487 | AFLAC | $230 | $65 | $295 | 0.41% |
| ROBERT M GLASS CORP3 Filed as: ROBERT M. DIAZ | 1205 HILLSBORO MILE, SUITE 203 HILLSBORO BEACH, FL 33062 | AFLAC | $222 | $0 | $222 | 0.31% |
| INSURANCE OFFICE OF AMERICA3 | 3875 HOPYARD ROAD, SUITE 200 PLEASANTON, CA 94588 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | $0 | $6K | 12.91% |
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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 125 | $840K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 131 | $102K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 131 | $102K |
| Life insurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 137 | $148K |
| Long-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 137 | $148K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 125 | $840K |
| Other(4 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 137 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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.