| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 201 ALHAMBRA CIRCLE, SUITE 801 MIAMI, FL 33134 | HEALTH OPTIONS | $20K | $0 | $20K | 5.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 18.17% |
| CENTURY ADVISORY SERVICES, INC.3 | 1900 NW CORPORATE BOULEVARD SUITE 400E BOCA RATON, FL 33431 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $520 | $0 | $520 | 1.46% |
| USI INSURANCE SERVICES LLC3 | 201 ALHAMBRA CIRCLE, SUITE 1401 MIAMI, FL 33134 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 13.52% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $556 | $556 | 1.71% |
| CENTURY ADVISORY SERVICES, INC.3 | 1900 NW CORPORATE BOULEVARD SUITE 400E BOCA RATON, FL 33431 | UNITEDHEALTHCARE INSURANCE COMPANY | $225 | $0 | $225 | 0.69% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $136 | $136 | 0.42% |
| USI INSURANCE SERVICES LLC3 | 201 ALHAMBRA CIRCLE MIAMI, FL 33134 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $5 | $2K | 10.99% |
| B & B INSURANCE SOLUTIONS INC3 Filed as: B & B INSURANCE SOLUTIONS, INC. | 12002 SW 128TH COURT MIAMI, FL 33186 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $881 | $329 | $1K | 8.19% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ADAM IRA BROWN | 700 NE 7TH AVENUE, SUITE 6 FORT LAUDERDALE, FL 33304 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $388 | $70 | $458 | 3.10% |
| ANDREA BROWNING3 | 145 19TH AVENUE SE ST. PETERSBURG, FL 33705 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $299 | $103 | $402 | 2.72% |
| MICHAEL ALAN SCHOOLEY3 | 11107 SW 138TH PLACE MIAMI, FL 33186 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $250 | $8 | $258 | 1.75% |
| MICHEL GUTIERREZ3 Filed as: MICHEL GUTIERREZ AND OTHER AGENTS | 29244 SW 142ND PLACE HOMESTEAD, FL 33033 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $238 | $3 | $241 | 1.63% |
| BRITO BENEFITS SOLUTIONS INC3 Filed as: BRITO BENEFITS SOLUTIONS, INC. | 14716 SW 112TH TERRACE MIAMI, FL 33196 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $129 | $44 | $173 | 1.17% |
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 | 116 | 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) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH OPTIONS | 64 | $405K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 104 | $33K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 104 | $33K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 116 | $36K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 116 | $36K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 116 | $36K |
| Prescription drug | HEALTH OPTIONS | 64 | $405K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 116 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.