| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 | 2056 VISTA PKWY STE 350 WEST PALM BEACH, FL 33411 | BLUE CROSS BLUE SHIELD OF FLORIDA | $17K | — | $17K | 19.10% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE | 3945 W. ATLANTIC AVENUE DELRAY BEACH, FL 33445 | BLUE CROSS BLUE SHIELD OF FLORIDA | $3K | — | $3K | 3.46% |
| INSURANCE OFFICE OF AMERICA3 | 2056 VISTA PKWY STE 350 WEST PALM BEACH, FL 33411 | HEALTH OPTIONS, INC | $11K | — | $11K | 25.09% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE | 3945 W. ATLANTIC AVENUE DELRAY BEACH, FL 33445 | HEALTH OPTIONS, INC | $2K | — | $2K | 4.67% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA WPB | 2056 VISTA PKWY SUITE 350 WEST PALM BEACH, FL 33411 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 8.34% |
| INS OFFICE OF AMERICA INC-TAMPA3 | 1855 WEST STATE RD 434 LONGWOOD, FL 32750 | HUMANA INSURANCE COMPANY | — | $1K | $1K | 4.55% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC | P O BOX 632886 CINCINNATI, OH 45263 | HUMANA INSURANCE COMPANY | $419 | — | $419 | 1.61% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA WPB | 2056 VISTA PKWY SUITE 350 WEST PALM BEACH, FL 33411 | COMPBENEFITS COMPANY | $703 | — | $703 | 8.44% |
| INS OFFICE OF AMERICA INC-TAMPA3 | 1855 WEST STATE RD 434 LONGWOOD, DC 32750 | COMPBENEFITS COMPANY | — | $627 | $627 | 7.53% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC | P O BOX 632886 CINCINNATI, OH 45263 | COMPBENEFITS COMPANY | $130 | — | $130 | 1.56% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA WPB | 2056 VISTA PKWY WEST PALM BEACH, FL 33411 | HUMANA INSURANCE COMPANY | $729 | — | $729 | 12.60% |
| INS OFFICE OF AMERICA INC-TAMPA3 | 1855 WEST STATE RD 434 LONGWOOD, FL 32750 | HUMANA INSURANCE COMPANY | — | $238 | $238 | 4.11% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC | P O BOX 632886 CINCINNATI, OH 45263 | HUMANA INSURANCE COMPANY | $139 | — | $139 | 2.40% |
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 | 111 | 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) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 39 | $134K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 117 | $34K |
| Vision | HUMANA INSURANCE COMPANY | 117 | $26K |
| Life insurance | HUMANA INSURANCE COMPANY | 111 | $6K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 39 | $134K |
| Other | HUMANA INSURANCE COMPANY | 111 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.