| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $79K | $0 | $79K | 8.28% |
| UKG KRONOS SYSTEMS LLC3 | 900 CHELMSFORD STREET LOWELL, MA 01851 | STANDARD INSURANCE COMPANY | $0 | $28K | $28K | 2.87% |
| USI INSURANCE SERVICES LLC3 | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | STANDARD INSURANCE COMPANY | $0 | $16K | $16K | 1.62% |
| TURNER INSURANCE AGENCIES INC.3 Filed as: TURNER FLORIDA INS. AGENCY, INC. | 232 SOUTH COURTENAY PARKWAY MERRITT ISLAND, FL 32952 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17K | $0 | $17K | 7.32% |
| US BENTEC WORKPLACE SOLUTIONS3 | 99 WOOD AVENUE SOUTH, SUITE 501 ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $804 | $0 | $804 | 0.35% |
| USI INSURANCE SERVICES LLC3 | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | HARTFORD LIFE AND ACCIDENT | $113 | $15 | $128 | 17.07% |
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 | 440 | 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) | 440 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 440 | $959K |
| Vision | STANDARD INSURANCE COMPANY | 440 | $959K |
| Life insurance | STANDARD INSURANCE COMPANY | 440 | $959K |
| Long-term disability | STANDARD INSURANCE COMPANY | 440 | $959K |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 440 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 440 | — |
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.