| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 2400 EAST COMMERCIAL BOULEVARD SUITE 600 FORT LAUDERDALE, FL 33308 | HUMANA MEDICAL PLAN, INC. | $46K | $0 | $46K | 6.08% |
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE CENTER PARKWAY SUITE 700 ATLANTA, GA 30328 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $3K | $14K | 15.09% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NORTHWEST | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 7.65% |
| DAVID RICHARD LAUCK3 | 10799 WHARTON WAY PALM BEACH GARDENS, FL 33412 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 6.93% |
| ANA GABRIELA ORDAZ LARA3 | 931 SW 178TH WAY PEMBROKE PINES, FL 33029 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 3.45% |
| ANA GLADYS HIDALGO3 | 841 SW 72ND AVENUE MIAMI, FL 33144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 3.02% |
| RUMIL CORPORATION3 | 8888 NW 2ND STREET CORAL SPRINGS, FL 33071 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.24% |
| RAYMOND BURR DAVIS3 | 1356 AVON LANE, APARTMENT 11 NORTH LAUDERDALE, FL 33068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.23% |
| FRANK ROBERT SOBOCINSKI3 | 528 SWEET BAY CIRCLE JUPITER, FL 33458 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.03% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $6K | $0 | $6K | 12.00% |
| MGU UNDERWRITING FEE3 Filed as: MGU UNDERWRITERS, INC. | 1280 BRIGHTON WAY NEWTOWN SQUARE, PA 19073 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.00% |
| DSM FINANCIAL LLC3 Filed as: DSM FINANCIAL | 950 PENINSULA CORPORATE CIRCLE SUITE 3007 BOCA RATON, FL 33487 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.00% |
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 | 214 | 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) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA MEDICAL PLAN, INC. | 85 | $802K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 214 | $95K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 214 | $95K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 214 | $95K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 214 | $95K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 214 | $95K |
| Prescription drug | HUMANA MEDICAL PLAN, INC. | 82 | $751K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 214 | $172K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.