| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | DELTA DENTAL OF INDIANA | $113K | $0 | $113K | 2.23% |
| INSURANCE OFFICE OF AMERICA3 | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | METROPOLITAN LIFE INSURANCE COMPANY | $574K | $42K | $616K | 13.55% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC | PO BOX 610 PLYMOUTH, IN 46563 | METROPOLITAN LIFE INSURANCE COMPANY | -$225 | $0 | -$225 | -0.00% |
| INSURANCE OFFICE OF AMERICA3 | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | CONTINENTAL AMERICAN INSURANCE COMPANY | $104K | $0 | $104K | 8.00% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | CONTINENTAL AMERICAN INSURANCE COMPANY | $104K | $0 | $104K | 8.00% |
| EOI SERVICE COMPANY INC3 | 1820 EAST 1ST STREET, SUITE 400 SANTA ANA, CA 92705 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | $0 | $27 | 0.00% |
| INSURANCE OFFICE OF AMERICA3 | 2839 PACES FERRY ROAD SE SUITE 1200 ATLANTA, GA 30339 | VISION SERVICE PLAN | $52K | $0 | $52K | 5.58% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | TRUSTMARK INSURANCE COMPANY | $199K | $0 | $199K | 24.06% |
| INSURANCE OFFICE OF AMERICA3 | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | TRUSTMARK INSURANCE COMPANY | $85K | $0 | $85K | 10.27% |
| THE SCOTT GROUP BENEFITS SPEC LLC3 Filed as: THE SCOTT GROUP BENEFIT SPECIALIST | 8320 ALLISON POINTE BOULEVARD INDIANAPOLIS, IN 46250 | TRUSTMARK INSURANCE COMPANY | $2K | $0 | $2K | 0.19% |
| JEANNE K SHAWHAN3 Filed as: JEANNE K. SHAWHAN | 3545 SYLVAN RIDGE COURT INDIANAPOLIS, IN 46256 | TRUSTMARK INSURANCE COMPANY | $1K | $0 | $1K | 0.16% |
| LISA DUCKETT3 | 113 SILKY SULLIVAN WAY CANTON, GA 30115 | TRUSTMARK INSURANCE COMPANY | $93 | $0 | $93 | 0.01% |
| INSURANCE OFFICE OF AMERICA3 | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | $0 | $13K | 10.03% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | $0 | $13K | 10.01% |
| VELOCITY BENEFITS3 | 113 SILKY SULLIVAN WAY CANTON, GA 30115 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 3.51% |
| INSURANCE OFFICE OF AMERICA3 | 100 GALLERIA PARKWAY SE, SUITE 600 ATLANTA, GA 30339 | ZURICH AMERICAN INSURANCE COMPANY | $515 | $0 | $515 | 1.54% |
| INSURANCE OFFICE OF AMERICA3 | 100 GALLERIA PARKWAY, SUITE 600 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 12.13% |
| INSURANCE OFFICE OF AMERICA3 | 100 GALLERIA PARKWAY, SUITE 600 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $331 | $0 | $331 | 10.02% |
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 | 21,638 | 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) | 21,638 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 3 | $16K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF INDIANA | 7,290 | $5.1M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 8,530 | $946K |
| Life insurance(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 9,593 | $6.8M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 9,593 | $4.5M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 9,593 | $4.5M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 21,638 | $4.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 21,638 | — |
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.