| 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 | $51K | $51K | 6.17% |
| INSURANCE OFFICE OF AMERICA3 | 3875 HOPYARD ROAD, SUITE 200 PLEASANTON, CA 94588 | SUN LIFE ASSURANCE COMPANY OF CANADA | $18K | $0 | $18K | 10.93% |
| INSURANCE OFFICE OF AMERICA3 | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $40 | $40 | 0.02% |
| RLT FINANCIAL ASSOC INC3 | 17036 FOX TRAIL ROAD LOXAHATCHEE, FL 33470 | AFLAC | $3K | $7 | $3K | 3.57% |
| MJ INSURANCE3 Filed as: STEVE SERVI AND VARIOUS AGENTS | 6127 SOUTH RAINBOW BOULEVARD SUITE 110 LAS VEGAS, NV 89118 | AFLAC | $1K | $6 | $1K | 2.11% |
| JUSAN C. SOSA3 | 7875 RED RIVER ROAD WEST PALM BEACH, FL 33411 | AFLAC | $1K | $0 | $1K | 1.71% |
| THOMPSON AND THOMPSON FINANCIAL INC3 Filed as: THOMPSON AND THOMPSON FINANCIAL | 17036 FOX TRAIL LANE LOXAHATCHEE, FL 33470 | AFLAC | $1K | $0 | $1K | 1.58% |
| L A D DINAANCIAL CORP.3 | 13308 ALTON ROAD PALM BEACH GARDENS, FL 33418 | AFLAC | $650 | $3 | $653 | 0.93% |
| ROBERT M GLASS CORP3 Filed as: ROBERT N. DIAZ | 1205 HILLSBORO MILE, SUITE 203 HILLSBORO BEACH, FL 33062 | AFLAC | $411 | $0 | $411 | 0.58% |
| PAUL A. BAVARO3 | 6022 LAS COLINAS CIRCLE LAKE WORTH, FL 33463 | AFLAC | $166 | $0 | $166 | 0.24% |
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 | 136 | $820K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 139 | $167K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 139 | $167K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 139 | $167K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 139 | $167K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 136 | $820K |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 139 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.