| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NSI INSURANCE GROUP LLC3 Filed as: NSI INSURANCE GROUP | 5875 NW 167 ST SUITE 207 MIAMI LAKES, FL 33014 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $126K | $126K | 6.41% |
| NSI INSURANCE GROUP LLC3 Filed as: NSI INSURANCE GROUP | 5875 NW 163RD ST SUITE 207 MIAMI LAKES, FL 33014 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $15K | — | $15K | 9.91% |
| NSI INSURANCE GROUP LLC3 | 5875 NW 167 ST SUITE 207 MIAMI LAKES, FL 33014 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 10.84% |
| NSI INSURANCE GROUP LLC3 | 5875 NW 167 ST SUITE 207 MIAMI LAKES, FL 33014 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 11.14% |
| NSI INSURANCE GROUP LLC3 Filed as: NSI INSURANCE GROUP | 5875 NW 163RD ST SUITE 207 MIAMI LAKES, FL 33014 | CIGNA DENTAL HEALTH OF FLORIDA | $3K | — | $3K | 10.00% |
| NSI INSURANCE GROUP LLC3 | 5875 NW 167 ST SUITE 207 MIAMI LAKES, FL 33014 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.84% |
| NSI INSURANCE GROUP LLC3 | 5875 NW 167TH ST SUITE 207 MIAMI LAKES, FL 33016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $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 | 346 | 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) | 346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 328 | $2.0M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 268 | $175K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 268 | $150K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 422 | $29K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 342 | $42K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 102 | $24K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 422 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 422 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.