| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA, INC. | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | UNITEDHEALTHCARE INSURANCE COMPANY | $30K | $91K | $121K | 8.06% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA, INC. | 210 SOUTH PINELLAS AVENUE SUITE 176 TARPON SPRINGS, FL 34689 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | $0 | $11K | 25.33% |
| CHASSE LYNN GREENE3 | 1735 BARCELONA WAY WINTER PARK, FL 32789 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 13.44% |
| DANIEL C HARRIS3 Filed as: DANIEL C. HARRIS | 413 OAK RIDGE COURT MARS, PA 16046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 13.17% |
| MORGAN STRONG3 | 1735 BARCELONA WAY WINTER PARK, FL 32789 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 9.40% |
| BRIAN W PATTEN3 Filed as: BRIAN WILLIAM PATTER | 121 BUCKTHORN ROAD BADEN, PA 15005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 3.87% |
| MS BENEFITS3 Filed as: MS BENEFITS, LLC | 100 CHALLENGER ROAD, SUITE 105 RIDGEFIELD PARK, NJ 07660 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 3.70% |
| RUBEN ROSA3 | 933 LEE ROAD, SUITE 200 ORLANDO, FL 32810 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 3.15% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA, INC. | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | METROPOLITAN GENERAL INSURANCE COMPANY | $881 | $1K | $2K | 29.77% |
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 | 198 | 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) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 292 | $1.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 292 | $1.5M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 292 | $1.5M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 292 | $1.5M |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 292 | $1.5M |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 292 | $1.5M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 292 | $1.5M |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 292 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 292 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.