| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES OF FLORIDA | ATTN JAY WEINGART 200 W CYPRESS CRK RD. STE 600 FT LAUDERDALE, FL 333092185 | NEIGHBORHOOD HEALTH PARTNERSHIP | $0 | $54K | $54K | 4.87% |
| USI INSURANCE SERVICES LLC3 | P O BOX 141916 CORAL GABLES, FL 33114 | NEIGHBORHOOD HEALTH PARTNERSHIP | $6K | — | $6K | 0.54% |
| USI INSURANCE SERVICES LLC3 | 200 W CYPRESS CREEK RD STE 600 FT LAUDERDALE, FL 333092185 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | — | $16K | 5.19% |
| USI INSURANCE SERVICES LLC3 | 1715 N WEST SHORE BLVD SUITE 700 TAMPA, FL 33607 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $2K | $4K | 12.54% |
| USI INSURANCE SERVICES LLC3 | 1301 GERVAIS STREET SUITE 500 COLIMBIA, SC 29201 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $333 | — | $333 | 1.07% |
| NPC FINANCIAL INC.3 Filed as: NPC FINANCIAL INC | 2 SOUTH BISCAYNE BLVD SUITE 1740 MIAMI, FL 33131 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $46 | — | $46 | 0.15% |
| USI INSURANCE SERVICES LLC3 | 2400 E COMMERCIAL BLVD SUITE 600 FT. LAUDERDALE, FL 33308 | HUMANA | $517 | — | $517 | 10.00% |
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 | 204 | 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) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | NEIGHBORHOOD HEALTH PARTNERSHIP | 204 | $1.4M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 70 | $31K |
| Vision | HUMANA | 47 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.