| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | BLUE CROSS BLUE SHIELD OF FLORIDA | $80K | $0 | $80K | 3.00% |
| USI INSURANCE SERVICES LLC3 | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | BLUE CROSS BLUE SHIELD OF FLORIDA | $17K | $0 | $17K | 3.00% |
| USI INSURANCE SERVICES LLC3 | 600 HIGHWAY 169 SOUTH, SUITE 1200 SAINT LOUIS PARK, MN 55426 | AETNA LIFE INSURANCE COMPANY | $15K | $764 | $16K | 7.10% |
| USI INSURANCE SERVICES LLC3 | PO BOX 601478 CHARLOTTE, NC 28260 | STANDARD INSURANCE COMPANY | $17K | $1K | $18K | 10.47% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 203066 DALLAS, TX 75320 | STANDARD INSURANCE COMPANY | $0 | $914 | $914 | 0.53% |
| USI INSURANCE SERVICES LLC3 | 7400 NORTH SHADELAND AVENUE SUITE 100 INDIANAPOLIS, IN 46250 | ANTHEM HEALTH PLANS OF KENTUCKY | $5K | $0 | $5K | 4.19% |
| USI INSURANCE SERVICES LLC3 | 213 SOUTH JEFFERSON STREET SW ROANOKE, VA 24011 | ANTHEM HEALTH PLANS OF KENTUCKY | $546 | $0 | $546 | 0.49% |
| USI INSURANCE SERVICES LLC3 | 100 NE 3RD AVENUE, SUITE 1050 FORT LAUDERDALE, FL 33301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 15.00% |
| USI INSURANCE SERVICES LLC3 | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | AMERITAS LIFE INSURANCE CORPORATION | $4K | $0 | $4K | 10.00% |
| USI INSURANCE SERVICES LLC3 | 5200 NORTH PALM AVENUE, SUITE 114 FRESNO, CA 93704 | AMERITAS LIFE INSURANCE CORPORATION | $0 | $560 | $560 | 1.47% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 203383 DALLAS, TX 75320 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 15.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 2975 REGENT BOULEVARD IRVING, TX 75063 | DELTA DENTAL OF KENTUCKY | $845 | $0 | $845 | 10.84% |
| BENEFITS TECHNOLOGIES LLC3 Filed as: BENEFITS TECHNOLOGIES, LLC | 1200 EAST TAFT AVENUE SAPULPA, OK 74066 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $521 | $0 | $521 | 19.27% |
| HEATHER N. LECK3 | 80 NE 4TH AVENUE, SUITE 21 DELRAY BEACH, FL 33483 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $91 | $0 | $91 | 3.37% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 201629 DALLAS, TX 75320 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $85 | $0 | $85 | 3.14% |
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 | 498 | 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) | 498 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 238 | $3.3M |
| Dental(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 515 | $274K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORPORATION | 509 | $63K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 231 | $186K |
| Long-term disability | STANDARD INSURANCE COMPANY | 231 | $171K |
| Prescription drug(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 238 | $3.3M |
| Other(5 contracts, 5 carriers) | STANDARD INSURANCE COMPANY | 498 | $246K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 515 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.