| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 2400 EAST COMMERCIAL BOULEVARD SUITE 600 FORT LAUDERDALE, FL 33308 | HUMANA MEDICAL PLAN, INC. | $60K | $0 | $60K | 5.96% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES, INC. OF FLORIDA | 13901 SUTTON PARK DRIVE BUILDING 3, SUITE 360 JACKSONVILLE, FL 32224 | HUMANA MEDICAL PLAN, INC. | $141 | $0 | $141 | 0.01% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES, INC. OF FLORIDA | 4 OVERLOOK POINT, 3RD FLOOR LINCOLNSHIRE, IL 60069 | HUMANA MEDICAL PLAN, INC. | -$238 | $0 | -$238 | -0.02% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | $0 | $17K | 10.83% |
| PAYCOM PAYROLL LLC5 Filed as: PAYCOM PAYROLL, LLC | 7501 WEST MEMORIAL ROAD OKLAHOMA CITY, OK 73142 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.59% |
| USI INSURANCE SERVICES LLC3 | 2400 EAST COMMERCIAL BOULEVARD SUITE 600 FORT LAUDERDALE, FL 33308 | HUMANA INSURANCE COMPANY | $9K | $0 | $9K | 9.91% |
| USI INSURANCE SERVICES LLC3 | 2400 EAST COMMERCIAL BOULEVARD SUITE 600 FORT LAUDERDALE, FL 33308 | COMPBENEFITS COMPANY | $1K | $0 | $1K | 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 | 299 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 302 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA MEDICAL PLAN, INC. | 142 | $999K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 134 | $103K |
| Vision | HUMANA INSURANCE COMPANY | 134 | $91K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 321 | $157K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 321 | $157K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 321 | $157K |
| Prescription drug | HUMANA MEDICAL PLAN, INC. | 142 | $999K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 321 | $157K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 321 | — |
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.