| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 4370 LA JOLLA VILLAGE DR. STE 600 SAN DIEGO, CA 92122 | SHARP HEALTH PLAN | $38K | — | $38K | 5.00% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W. STATE ROAD 434 LONGWOOD, FL 32750 | PRINCIPAL LIFE INSURANCE COMPANY | $992 | $142 | $1K | 5.92% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC. | P.O. BOX 162207 ALTAMONTE SPRINGS, FL 32716 | PRINCIPAL LIFE INSURANCE COMPANY | $405 | — | $405 | 2.11% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 130 VANTIS, SUITE 250 ALISO VIEGO, CA 92656 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $996 | $3K | 19.75% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 8311 W SUNSET RD STE.260 LAS VEGAS, NV 89113 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $175 | — | $175 | 1.01% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 130 VANTIS, SUITE 250 ALISO VIEGO, CA 92656 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $705 | $2K | 19.61% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 8311 W SUNSET RD STE.260 LAS VEGAS, NV 89113 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $126 | — | $126 | 1.00% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 130 VANTIS, SUITE 250 ALISO VIEGO, CA 92656 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $376 | $1K | 19.26% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 8311 W SUNSET RD STE.260 LAS VEGAS, NV 89113 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $66 | — | $66 | 0.91% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC. | 1855 W. STATE ROAD 434 LONGWOOD, FL 32750 | METROPOLITAN LIFE INSURANCE COMPANY | $579 | $72 | $651 | 11.19% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 130 VANTIS, SUITE 250 ALISO VIEGO, CA 92656 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $701 | $273 | $974 | 19.19% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 8311 W SUNSET RD STE.260 LAS VEGAS, NV 89113 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $61 | — | $61 | 1.20% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC. | 1855 W. STATE RAOD 434 LONGWOOD, FL 32750 | METROPOLITAN LIFE INSURANCE COMPANY | $206 | $22 | $228 | 10.25% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 130 VANTIS, SUITE 250 ALISO VIEGO, CA 92656 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $180 | $126 | $306 | 22.25% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC. | 8311 W SUNSET RD STE.260 LAS VEGAS, NV 89113 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $26 | — | $26 | 1.89% |
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 | 206 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SHARP HEALTH PLAN | 179 | $766K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 44 | $19K |
| Vision(2 contracts, 2 carriers) | SHARP HEALTH PLAN | 179 | $770K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 206 | $20K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 193 | $17K |
| Prescription drug | SHARP HEALTH PLAN | 179 | $764K |
| Other(5 contracts, 2 carriers) | SHARP HEALTH PLAN | 206 | $790K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.