| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $73K | — | $73K | 6.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGCY LLC-BOUCHARD | 101 N STARCREST DR CLEARWATER, FL 33765 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $57K | — | $57K | 5.24% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC-INDIANA | 11611 N MERIDIAN ST STE 230 CARMEL, IN 46032 | STANDARD INSURANCE COMPANY | $13K | — | $13K | 5.64% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 510925 NEW BERLIN, WI 53151 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 4.36% |
| WEB BENEFITS DESIGN CORPORATION3 | 6277 SEA HARBOR DRIVE STE 201 ORLANDO, FL 32821 | STANDARD INSURANCE COMPANY | — | $3K | $3K | 1.13% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SVCES LLC-N FLORIDA | 7 E CONGRESS ST STE 1002 SAVANNAH, GA 31401 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 1.09% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC-INDIANA | 11611 N MERIDIAN ST STE 230 CARMEL, IN 46032 | STANDARD INSURANCE COMPANY | $19K | — | $19K | 13.96% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 510925 NEW BERLIN, WI 53151 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 6.46% |
| WEB BENEFITS DESIGN CORPORATION3 | 6277 SEA HARBOR DRIVE STE 201 ORLANDO, FL 32821 | STANDARD INSURANCE COMPANY | — | $5K | $5K | 3.72% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SVCES LLC-N FLORIDA | 7 E CONGRESS ST STE 1002 SAVANNAH, GA 31401 | STANDARD INSURANCE COMPANY | — | $3K | $3K | 2.17% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC-INDIANA | 11611 N MERIDIAN ST STE 230 CARMEL, IN 46032 | STANDARD INSURANCE COMPANY | $15K | — | $15K | 14.60% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 510925 NEW BERLIN, WI 53151 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 6.29% |
| WEB BENEFITS DESIGN CORPORATION3 | 6277 SEA HARBOR DRIVE STE 201 ORLANDO, FL 32821 | STANDARD INSURANCE COMPANY | — | $4K | $4K | 3.89% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SVCES LLC-N FLORIDA | 7 E CONGRESS ST STE 1002 SAVANNAH, GA 31401 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 2.35% |
| USI INSURANCE SERVICES LLC3 | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 3.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGCY LLC-BOUCHARD | 101 N STARCREST DR CLEARWATER, FL 33765 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 1.67% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC-INDIANA | 11611 N MERIDIAN ST STE 230 CARMEL, IN 46032 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 14.17% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 510925 NEW BERLIN, WI 53151 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 6.48% |
| WEB BENEFITS DESIGN CORPORATION3 | 6277 SEA HARBOR DRIVE STE 201 ORLANDO, FL 32821 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 3.78% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SVCES LLC-N FLORIDA | 7 E CONGRESS ST STE 1002 SAVANNAH, GA 31401 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 2.28% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC-INDIANA | 11611 N MERIDIAN ST STE 230 CARMEL, IN 46032 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 5.63% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 510925 NEW BERLIN, WI 53151 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 4.37% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SVCES LLC-N FLORIDA | 7 E CONGRESS ST STE 1002 SAVANNAH, GA 31401 | STANDARD INSURANCE COMPANY | — | $434 | $434 | 1.16% |
| WEB BENEFITS DESIGN CORPORATION3 | 6277 SEA HARBOR DRIVE STE 201 ORLANDO, FL 32821 | STANDARD INSURANCE COMPANY | — | $421 | $421 | 1.13% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC-INDIANA | 11611 N MERIDIAN ST STE 230 CARMEL, IN 46032 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 19.89% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SVCES LLC-N FLORIDA | 7 E CONGRESS ST STE 1002 SAVANNAH, GA 31401 | STANDARD INSURANCE COMPANY | — | $562 | $562 | 2.42% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 510925 NEW BERLIN, WI 53151 | STANDARD INSURANCE COMPANY | $63 | — | $63 | 0.27% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC-TAMPA | 4605 COLUMBUS STREET VIRGINIA BEACH, VA 23466 | ARAG INSURANCE COMPANY | $1K | — | $1K | 7.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGCY LLC-BOUCHARD | 101 N STARCREST DR CLEARWATER, FL 33765 | ARAG INSURANCE COMPANY | $343 | — | $343 | 2.47% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | — | MEDICAL AIR SERVICES ASSOCIATION, INC. | $704 | — | $704 | 10.43% |
| MASA AGENT3 | — | MEDICAL AIR SERVICES ASSOCIATION, INC. | $461 | — | $461 | 6.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGCY LLC-BOUCHARD | — | MEDICAL AIR SERVICES ASSOCIATION, INC. | $452 | — | $452 | 6.70% |
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 | 414 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 416 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 400 | $1.4M |
| Dental | STANDARD INSURANCE COMPANY | 289 | $224K |
| Vision | STANDARD INSURANCE COMPANY | 252 | $37K |
| Life insurance | STANDARD INSURANCE COMPANY | 414 | $133K |
| Short-term disability | STANDARD INSURANCE COMPANY | 92 | $56K |
| Long-term disability | STANDARD INSURANCE COMPANY | 90 | $104K |
| Prescription drug(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 400 | $1.4M |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 100 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 414 | — |
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.