| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $13K | $18K | 2.69% |
| UNKNOWN3 | UNKNOWN VERO BEACH, FL 32960 | WELLFLEET INSURANCE COMPANY | $16K | $0 | $16K | 37.36% |
| ROBERT WHITTINGTON3 | UNKNOWN VERO BEACH, FL 32960 | COMBINED INSURANCE COMPANY OF AMERICA | $14K | $0 | $14K | 39.95% |
| USI INSURANCE SERVICES LLC3 | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | COMBINED INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 9.70% |
| USBENTEC WORKPLACE SOLUTIONS3 | 700 WEST HILLSBORO BOULEVARD DEERFIELD BEACH, FL 33441 | COMBINED INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 4.54% |
| USBENTEC WORKPLACE SOLUTIONS3 | 700 WEST HILLSBORO BOULEVARD DEERFIELD BEACH, FL 33441 | COMBINED INSURANCE | $19K | $0 | $19K | 75.05% |
| USI INSURANCE SERVICES LLC3 | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | COMBINED INSURANCE | $4K | $0 | $4K | 17.54% |
| US ENROLLMENT SERVICES3 | 700 WEST HILLSBORO BOULEVARD BUILDING 2-102 DEERFIELD BEACH, FL 33441 | PREFERRED LEGAL | $3K | $0 | $3K | 14.74% |
| USI INSURANCE SERVICES LLC3 | 2400 EAST COMMERCIAL BOULEVARD SUITE 600 FORT LAUDERDALE, FL 33308 | HARTFORD FIRE INSURANCE COMPANY | $0 | $110 | $110 | 1.12% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $274 | $274 | 8.38% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $261 | $261 | 7.98% |
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 | 1,831 | 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) | 1,831 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 962 | $12.0M |
| Vision | HUMANA INSURANCE COMPANY | 828 | $74K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,831 | $679K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,831 | $654K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 962 | $12.0M |
| Other(9 contracts, 7 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,831 | $973K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,831 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.