| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA, INC. - | SPENCER ALLEN 1855 W STATE ROAD 434 LONGWOOD, FL 32750 | DELTA DENTAL OF INDIANA | $215K | — | $215K | 4.24% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 W STATE ROAD 434 LONGWOOD, FL 327505069 | METROPOLITAN LIFE INSURANCE COMPANY | $187K | $1K | $188K | 10.99% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W SR 434 LONGWOOD, FL 32750 | GUARDIAN | $81K | $47K | $128K | 12.24% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANC | 800 MAIN STREET DUBUQUE, IA 52001 | GUARDIAN | $56K | — | $56K | 5.38% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | TRUSTMARK INSURANCE COMPANY | $168K | — | $168K | 19.65% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY INC. | 3100 E MIRALOMA AVE - SUITE 240 ANAHEIM, CA 92806 | TRUSTMARK INSURANCE COMPANY | $69K | — | $69K | 8.11% |
| INSURANCE OFFICES OF AMERICA3 | 1855 W STATE RD 434 LONGWOOD, FL 32750 | TRUSTMARK INSURANCE COMPANY | $17K | — | $17K | 2.04% |
| THE SCOTT GROUP BENEFITS SPEC LLC3 Filed as: THE SCOTT GROUP BENEFIT SPECIALIST | LLC 8320 ALLISON POINTE BLVD. INDIANAPOLIS, IN 46250 | TRUSTMARK INSURANCE COMPANY | $1K | — | $1K | 0.14% |
| JEANNE K SHAWHAN3 | 3545 SYLVAN RIDGE CT INDIANAPOLIS, IN 46256 | TRUSTMARK INSURANCE COMPANY | $994 | — | $994 | 0.12% |
| LISA DUCKETT3 | 113 SILKY SULLIVAN WAY CANTON, GA 30115 | TRUSTMARK INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| INS OFFICE OF AMERICA INC3 Filed as: INS OFFICE OF AMERICA | 100 GALLERIA PKWY SE STE 600 ATLANTA, GA 303395947 | VISION SERVICE PLAN | $50K | — | $50K | 5.90% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 W STATE ROAD 434 LONGWOOD, FL 32750 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $74K | $16K | $91K | 14.34% |
| NS, INC. BENEFIT COMMUNICATIO3 | 2977 SIDCO DR NASHVILLE, TN 37204 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26K | — | $26K | 16.39% |
| AMERICA INC INSURANCE OFFICE OF3 | 1855 W. STATE ROAD 434 LONGWOOD, FL 32750 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | — | $12K | 7.84% |
| EOI SERVICE COMPANY INC3 Filed as: INC. EOI SERVICE COMPANY, | 1820 E. 1ST STREET SUITE 400 SANTA ANA, CA 92705 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | — | $11K | 6.77% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA, INC. | 100 GALLERIA PARKWAY SE, SUITE 600 ATLANTA, GA 303395947 | ZURICH AMERICAN INSURANCE COMPANY | $510 | — | $510 | 15.00% |
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 | 9,551 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 63 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,614 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF INDIANA | 17,725 | $5.1M |
| Vision | VISION SERVICE PLAN | 6,542 | $848K |
| Life insurance(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,382 | $3.5M |
| Short-term disability(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,382 | $3.4M |
| Long-term disability(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,382 | $3.4M |
| Other(6 contracts, 6 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,382 | $4.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 17,725 | — |
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.