| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 1715 NORTH WESTSHORE BOULEVARD SUITE 700 TAMPA, FL 33607 | KEMPER FSL | $19K | $0 | $19K | 14.70% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | KEMPER FSL | $10K | $0 | $10K | 7.83% |
| FIRST HEALTH3 | UNKNOWN VIRGINIA BEACH, VA 23451 | KEMPER FSL | $6K | $0 | $6K | 4.25% |
| KENNETH DALTON HOLDERBAUM III3 | UNKNOWN VIRGINIA BEACH, VA 23451 | KEMPER FSL | $797 | $0 | $797 | 0.61% |
| KEY BENEFIT ADMINISTRATORS, INC3 Filed as: KEY BENEFIT RESOURCE, LLC | 8330 ALLISON POINTE TRAIL INDIANAPOLIS, IN 46250 | KEMPER FSL | $797 | $0 | $797 | 0.61% |
| STEVEN BELL3 | 13616 KANIS ROAD LITTLE ROCK, AR 72211 | KEMPER FSL | $797 | $0 | $797 | 0.61% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $60 | $2K | 2.56% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $323 | $323 | 0.43% |
| DIANA LEWIS3 | 28059 US HIGHWAY 19 NORTH SUITE 201 CLEARWATER, FL 33761 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $426 | $6K | 39.82% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $128 | $2K | 16.75% |
| DESSO FORMAN3 | 28059 US HIGHWAY 19 NORTH SUITE 201 CLEARWATER, FL 33761 | METROPOLITAN LIFE INSURANCE COMPANY | $23 | $0 | $23 | 0.16% |
| DIANA LEWIS3 | 28059 US HIGHWAY 19 NORTH SUITE 201 CLEARWATER, FL 33761 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $318 | $5K | 38.11% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $125 | $2K | 17.06% |
| DESSO FORMAN3 | 28059 US HIGHWAY 19 NORTH SUITE 201 CLEARWATER, FL 33761 | METROPOLITAN LIFE INSURANCE COMPANY | $249 | $0 | $249 | 1.90% |
| DIANA LEWIS3 | 28059 US HIGHWAY 19 NORTH SUITE 201 CLEARWATER, FL 33761 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $310 | $5K | 42.05% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $120 | $2K | 17.91% |
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 | 198 | 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) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KEMPER FSL | 198 | $130K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 175 | $75K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 175 | $75K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 175 | $75K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 96 | $14K |
| Prescription drug | KEMPER FSL | 198 | $130K |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 68 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.