| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 201 ALHAMBRA CIRCLE, SUITE 1401 CORAL GABLES, FL 33134 | UNITEDHEALTHCARE INSURANCE COMPANY | $28K | $0 | $28K | 5.25% |
| USI INSURANCE SERVICES LLC3 | PO BOX 141916 MIAMI, FL 33114 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $640 | $640 | 0.12% |
| USI INSURANCE SERVICES LLC3 | 1715 NORTH WESTSHORE BOULEVARD SUITE 700 TAMPA, FL 33607 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $3K | $9K | 15.27% |
| MARIANA CHRISTIN SANCHEZ-MEDINA3 Filed as: MARIANA SANCHEZ-MEDINA | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $302 | $68 | $370 | 8.86% |
| USI INSURANCE SERVICES LLC3 | 200 WEST CYPRESS CREEK ROAD SUITE 500 FORT LAUDERDALE, FL 33309 | AFLAC | $236 | $0 | $236 | 5.65% |
| MARIA ORTIZ3 | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $148 | $14 | $162 | 3.88% |
| MARTA M SASTRE3 Filed as: MARTA SASTRE | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $108 | $14 | $122 | 2.92% |
| EILEEN SANCHEZ MEDINA3 Filed as: EILEEN SANCHEZ-MEDINA | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $90 | $0 | $90 | 2.15% |
| ANA MARIA LEON3 Filed as: ANA COHEN | 5741 SW 45TH TERRACE MIAMI, FL 33155 | AFLAC | $57 | $0 | $57 | 1.36% |
| AFLRED RIETKERK AND OTHER AGENTS3 | 3120 NE 47TH STREET FORT LAUDERDALE, FL 33308 | AFLAC | $22 | $0 | $22 | 0.53% |
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 | 64 | 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) | 64 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 128 | $524K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 114 | $62K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 114 | $62K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 114 | $62K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 114 | $62K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 114 | $62K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 128 | $524K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 114 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.