| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NA | 2400 E COMMERCIAL BLVD STE 600 FORT LAUDERDALE, FL 33308 | HEALTH OPTIONS | $42K | — | $42K | 4.18% |
| GATEWAY-ACENTRIA INSURANCE, LLC.3 Filed as: GATEWAY ACENTRIA INSURANCE LLC | 2430 W OAKLAND PARK BLVD FT LAUDERDALE, FL 33311 | AMERICAN FIDELITY ASSURANCE COMPANY | $7K | — | $7K | 4.63% |
| INS OFFICE OF AMERICA INC3 Filed as: INS OFFICE OF AMERICA | PO BOX 16207 ALTAMONTE SPRINGS, FL 32716 | AMERICAN FIDELITY ASSURANCE COMPANY | $888 | — | $888 | 0.62% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | -$927 | — | -$927 | -0.65% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NA | 2400 E COMMERCIAL BLVD STE 600 FORT LAUDERDALE, FL 33308 | BLUE CROSS BLUE SHIELD OF FLORIDA | $3K | — | $3K | 4.12% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 2400 E COMMERCIAL BLVD STE 600 FT LAUDERDALE, FL 333084050 | FLORIDA COMBINED LIFE | $4K | — | $4K | 6.63% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | PO BOX 203383 DALLAS, TX 753203334 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $501 | $4K | 11.64% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 2400 E COMMERCIAL BLVD STE 600 FT LAUDERDALE, FL 333084050 | FLORIDA COMBINED LIFE | $1K | — | $1K | 10.17% |
| LAUREN SICILIANO-CAVIERES FL BLUE3 | 4800 DEERWOOD CAMPUS PKWY DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $49 | — | $49 | 0.41% |
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 | 231 | 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) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 176 | $210K |
| Dental(2 contracts) | FLORIDA COMBINED LIFE | 67 | $73K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 216 | $33K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 216 | $33K |
| Short-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 176 | $142K |
| Long-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 176 | $142K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 103 | $1.1M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 216 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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."
No prospect flags tripped on this filing.