| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 2400 EAST COMMERCIAL BOULEVARD SUITE 600 FORT LAUDERDALE, FL 33308 | BLUE CROSS BLUE SHIELD OF FLORIDA | $125K | $0 | $125K | 4.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | BLUE CROSS BLUE SHIELD OF FLORIDA | $14K | $0 | $14K | 3.00% |
| USI INSURANCE SERVICES LLC3 | 8000 NORMAN CENTER DRIVE BLOOMINGTON, MN 55437 | AETNA LIFE INSURANCE COMPANY | $17K | $48 | $17K | 7.13% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $19K | $4K | $23K | 12.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 15.41% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $3K | $0 | $3K | 5.45% |
| USI INSURANCE SERVICES LLC3 | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | AMERITAS LIFE INSURANCE CORPORATION | $3K | $0 | $3K | 10.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 14.20% |
| USI INSURANCE SERVICES LLC3 | 555 PLEASANTVILLE ROAD, SUITE 160 BRIARCLIFF MANOR, NY 10510 | DELTA DENTAL OF KENTUCKY | $366 | $0 | $366 | 11.35% |
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 | 544 | 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) | 544 | 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 | 258 | $3.6M |
| Dental(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 544 | $276K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORPORATION | 515 | $56K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 291 | $204K |
| Long-term disability | STANDARD INSURANCE COMPANY | 291 | $190K |
| Prescription drug(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 258 | $3.6M |
| Other(4 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 291 | $287K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 544 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.