| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 2400 E COMMERCIAL BLVD STE 600 FORT LAUDERDALE, NE 681144066 | BLUE CROSS BLUE SHIELD OF FLORIDA | $50K | — | $50K | 5.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 2400 E COMMERCIAL BLVD STE 600 FORT LAUDERDALE, NE 681144066 | BLUE CROSS BLUE SHIELD OF FLORIDA | $16K | — | $16K | 5.00% |
| USI INSURANCE SERVICES LLC3 | 8801 INDIAN HILLS DRIVE OMAHA, NE 681144066 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $801 | $6K | 11.44% |
| USI INSURANCE SERVICES LLC3 | 201 ALHAMBRA CIR STE 801 CORAL GABLES, FL 681144066 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| USI INSURANCE SERVICES LLC3 | 2400 EAST COMMERCIAL BLVD #600 FT LAUDERDALE, FL 33308 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $873 | $873 | 2.98% |
| USI INSURANCE SERVICES LLC3 | 201 ALHAMBRA CIR STE 801 CORAL GABLES, NE 681144066 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| USI INSURANCE SERVICES LLC3 | 2400 EAST COMMERCIAL BLVD #600 FT LAUDERDALE, FL 33308 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $740 | $740 | 2.98% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, FL 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $642 | $4K | 17.80% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, NE 681144066 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $225 | $2K | 11.46% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, NE 681144066 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $849 | $126 | $975 | 11.49% |
| USI INSURANCE SERVICES LLC3 | 201 ALHAMBRA CIR STE 801 CORAL GABLES, NE 681144066 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $840 | — | $840 | 15.00% |
| USI INSURANCE SERVICES LLC3 | 2400 EAST COMMERCIAL BLVD #600 FT LAUDERDALE, FL 33308 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $166 | $166 | 2.96% |
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 | 313 | 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) | 313 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 30 | $327K |
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 94 | $71K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 100 | $8K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 313 | $29K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 114 | $25K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 313 | $35K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 313 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 313 | — |
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.