| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 2400 EAST COMMERCIAL BOULEVARD SUITE 600 FORT LAUDERDALE, FL 33308 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $50K | $8K | $58K | 16.64% |
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE CENTER PARKWAY SUITE 700 ATLANTA, GA 30328 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $3K | $14K | 14.68% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 13.82% |
| DAVID RICHARD LAUCK3 | 10799 WHARTON WAY PALM BEACH GARDENS, FL 33412 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 7.62% |
| FRANK ROBERT SOBOCINSKI3 | 528 SWEET BAY CIRCLE JUPITER, FL 33458 | CONTINENTAL AMERICAN INSURANCE COMPANY | $492 | $0 | $492 | 1.59% |
| ANA GLADYS HIDALGO3 | 841 SOUTHWEST 72ND AVENUE MIAMI, FL 33144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $67 | $0 | $67 | 0.22% |
| ANA GABRIELA ORDAZ LARA3 | 931 SOUTHWEST 178TH WAY PEMBROKE PINES, FL 33029 | CONTINENTAL AMERICAN INSURANCE COMPANY | $64 | $0 | $64 | 0.21% |
| RUMIL CORPORATION3 | 8888 NORTHWEST 2ND STREET CORAL SPRINGS, FL 33071 | CONTINENTAL AMERICAN INSURANCE COMPANY | $49 | $0 | $49 | 0.16% |
| RAYMOND BURR DAVIS3 | 1356 AVON LANE NORTH LAUDERDALE, FL 33068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $39 | $0 | $39 | 0.13% |
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 | 225 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 94 | $347K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 225 | $95K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 225 | $95K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 225 | $95K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 225 | $95K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 225 | $95K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 94 | $347K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 225 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.