| 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 | DELTA DENTAL OF INDIANA | $214K | $0 | $214K | 3.57% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | METROPOLITAN LIFE INSURANCE COMPANY | $268K | $30K | $298K | 16.21% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $207K | $0 | $207K | 11.76% |
| BENEFIT COMMUNINCATIONS INC3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | CONTINENTAL AMERICAN INSURANCE COMPANY | $192K | $0 | $192K | 13.28% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 WEST STATE ROAD 434 LONGWOOD, CA 32750 | CONTINENTAL AMERICAN INSURANCE COMPANY | $173K | $0 | $173K | 12.01% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY | 1820 EAST FIRST STREET, SUITE 400 SANTA ANA, CA 92705 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25K | $0 | $25K | 1.76% |
| INSURANCE OFFICE OF AMERICA3 | 100 GALLERIA PARKWAY SE, SUITE 600 ATLANTA, GA 30339 | VISION SERVICE PLAN | $64K | $0 | $64K | 6.19% |
| BENEFIT COMMUNINCATIONS INC3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | TRUSTMARK INSURANCE COMPANY | $335K | $0 | $335K | 32.46% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 WEST STATE ROAD 434 LONGWOOD, CA 32750 | TRUSTMARK INSURANCE COMPANY | $22K | $0 | $22K | 2.10% |
| THE SCOTT GROUP BENEFITS SPEC LLC3 Filed as: THE SCOTT GROUP BENEFIT SPECIALIST | 8320 ALLISON POINTE BOULEVARD INDIANAPOLIS, IN 46250 | TRUSTMARK INSURANCE COMPANY | $1K | $0 | $1K | 0.14% |
| JEANNE K SHAWHAN3 Filed as: JEANNE SHAWHAN | 3545 SYLVAN RIDGE COURT INDIANAPOLIS, IN 46256 | TRUSTMARK INSURANCE COMPANY | $1K | $0 | $1K | 0.11% |
| LISA DUCKETT3 | 113 SILKY SULLIVAN WAY CANTON, GA 30115 | TRUSTMARK INSURANCE COMPANY | $25 | $0 | $25 | 0.00% |
| INSURANCE OFFICE OF AMERICA3 | 1 SLEIMAN PARKWAY, SUITE 130 JACKSONVILLE, FL 32216 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $128K | $0 | $128K | 13.10% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16K | $0 | $16K | 9.99% |
| VELOCITY BENEFITS3 | 113 SILKY SULLIVAN WAY CANTON, GA 30115 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | $0 | $10K | 6.65% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $0 | $11K | 11.49% |
| INSURANCE OFFICE OF AMERICA3 | 100 GALLERIA PARKWAY SE, SUITE 600 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 8.67% |
| INSURANCE OFFICE OF AMERICA3 | 100 GALLERIA PARKWAY SE, SUITE 600 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $331 | $0 | $331 | 10.02% |
| UNKNOWN3 | UNKNOWN ELKHART, IN 46514 | ZURICH AMERICAN INSURANCE COMPANY | $434 | $0 | $434 | 15.00% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | MUTUAL OF OMAHA INSURANCE COMPANY | $92 | $0 | $92 | 10.00% |
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 | $25K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF INDIANA | 22,162 | $6.0M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 8,439 | $1.1M |
| Life insurance(7 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 8,143 | $7.3M |
| Short-term disability(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 8,143 | $4.7M |
| Long-term disability(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 8,143 | $4.7M |
| Other(7 contracts, 6 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 21,638 | $4.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 22,162 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.