| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1715 N WESTSHORE BLVD TAMPA, FL 33607 | ARCH INSURANCE COMPANY | $31K | $0 | $31K | 7.13% |
| ALLTRUST INSURANCE3 | 2965 ALT 19 PALM HARBOR, FL 34683 | ARCH INSURANCE COMPANY | $16K | $0 | $16K | 3.60% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 335 CLUBHOUSE ROAD HUNT VALLEY, MD 21031 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | $0 | $14K | 6.90% |
| ALLTRUST INSURANCE3 Filed as: ALLTRUST | 2965 ALT 19 PALM HARBOR, FL 34683 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | $0 | $9K | 4.46% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | P.O. BOX 62689 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $27 | $4K | 10.88% |
| ACRISURE LLC3 Filed as: ACRISURE | 2965 ALT 19 PALM HARBOR, FL 34683 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.19% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | P.O. BOX 62689 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $64 | $4K | 11.01% |
| ACRISURE LLC3 Filed as: ACRISURE | 2965 ALT 19 PALM HARBOR, FL 34683 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.17% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | P.O. BOX 62689 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $53 | $3K | 11.03% |
| ACRISURE LLC3 Filed as: ACRISURE | 2965 ALT 19 PALM HARBOR, FL 34683 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.14% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 3427 NORFOLK, VA 23514 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $17 | $1K | 11.01% |
| ACRISURE LLC3 Filed as: ACRISURE | 2965 ALT 19 PALM HARBOR, FL 34683 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $467 | $0 | $467 | 4.14% |
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 | 254 | 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) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 254 | $200K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 245 | $42K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 245 | $37K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 130 | $38K |
| Prescription drug | ARCH INSURANCE COMPANY | 251 | $437K |
| Stop-loss / reinsurancereinsurance | ARCH INSURANCE COMPANY | 251 | $437K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 245 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.