| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 201 ALHAMBRA CIRCLE, SUITE 801 MIAMI, FL 33134 | HEALTH OPTIONS, INC. | $30K | $0 | $30K | 5.00% |
| CENTURY ADVISORY SERVICES, INC.3 Filed as: CENTURY ADVISORY SERVICES | 1900 NW CORPORATE BOULEVARD SUITE 400E BOCA RATON, FL 33431 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | $0 | $12K | 9.33% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $5K | $9K | 6.78% |
| THE CASON GROUP INC3 | 1612 MARION ST COLUMBIA, SC 29201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 4.40% |
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 | 373 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 374 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH OPTIONS, INC. | 86 | $600K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 373 | $126K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 373 | $126K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 373 | $126K |
| Prescription drug | HEALTH OPTIONS, INC. | 86 | $600K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 373 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 373 | — |
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.