| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 2400 EAST COMMERCIAL BOULEVARD SUITE 600 FORT LAUDERDALE, FL 33308 | AETNA HEALTH, INC. | — | $61K | $61K | 3.07% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 200 WEST CYPRESS CREEK ROAD SUITE 600 FORT LAUDERDALE, FL 33309 | AETNA HEALTH, INC. | — | $35K | $35K | 1.75% |
| HOWES, INC.3 | 2461 WEST STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | TRUSTMARK INSURANCE COMPANY | $42K | — | $42K | 28.11% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 201 ALHAMBRA CIRCLE, SUITE 801 CORAL GABLES, FL 33134 | TRUSTMARK INSURANCE COMPANY | $24K | — | $24K | 16.10% |
| DSM FINANCIAL LLC3 Filed as: DSM FINANCIAL | 10519 WHEELHOUSE CIRCLE BOCA RATON, FL 33428 | TRUSTMARK INSURANCE COMPANY | $8K | — | $8K | 5.65% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1715 NORTH WEST SHORE BOULEVARD SUITE 700 TAMPA, FL 33607 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $5K | $16K | 11.35% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 200 SUMMIT LAKE DRIVE, SUITE 350 VALHALLA, NY 10595 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 2.50% |
| HOWES, INC.3 | 2461WEST SR 426, SUITE 201 OVIEDO, FL 32765 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | — | $26K | 24.94% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 201 ALHAMBRA CIRCLE, SUITE 801 CORAL GABLES, FL 33134 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $24K | — | $24K | 23.64% |
| SMALL BUSINESS INSURANCE AGENCY3 Filed as: SMALL BUSINESS INS. AGENCY, INC. | 542 MAIN STREET WORCESTER, MA 01608 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 9.95% |
| USI INSURANCE SERVICES LLC Filed as: USI INSURANCE SERVICES, LLC | 2400 EAST COMMERCIAL BOULEVARD SUITE 600 FORT LAUDERDALE, FL 33308 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 5.68% |
| STEVEN L. LAPEKAS3 Filed as: STEVEN L LAPEKAS | 1086 SW BALMORAL TRACE STUART, FL 34997 | AFLAC | $2K | $684 | $2K | 3.69% |
| MJ INSURANCE3 Filed as: KAREN ZABAGLO AND VARIOUS AGENTS | 1743 NW SPRUCE RIDGE DRIVE STUART, FL 34994 | AFLAC | $2K | $274 | $2K | 3.42% |
| ROBERTS BENEFIT GROUP, INC.3 | 8331 SANDS POINT BOULEVARD APARTMENT C206 TAMARAC, FL 33321 | AFLAC | $1K | — | $1K | 1.91% |
| ADRIANNE WIEGENSTEIN3 | PO BOX 953 CHELAN, WA 98816 | AFLAC | $1K | — | $1K | 1.68% |
| HAMIDA M TRAINOR3 Filed as: HAMIDA M. TRAINOR | 2608 MEADOW ROAD WEST PALM BEACH, FL 33406 | AFLAC | $696 | $137 | $833 | 1.25% |
| ROBERT D. WIEGENSTEIN3 | PO BOX 953 CHELAN, WA 98816 | AFLAC | $693 | — | $693 | 1.04% |
| KENDALL C HUDSON3 Filed as: KENDALL C. HUDSON | 801 NORTHPOINT PARKWAY, SUITE 35 WEST PALM BEACH, FL 33407 | AFLAC | $368 | — | $368 | 0.55% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 2400 EAST COMMERCIAL BOULEVARD SUITE 600 FORT LAUDERDALE, FL 33308 | AETNA LIFE INSURANCE COMPANY | — | $715 | $715 | 4.37% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 201 ALHAMBRA CIRCLE, SUITE 1000 CORAL GABLES, FL 33134 | AETNA LIFE INSURANCE COMPANY | — | $114 | $114 | 0.70% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 200 WEST CYPRESS CREEK ROAD SUITE 600 FORT LAUDERDALE, FL 33309 | AETNA LIFE INSURANCE COMPANY | — | $72 | $72 | 0.44% |
| C HUDSON AND ASSOCIATES3 Filed as: C HUDSON AND ASSOC AND OTHER AGENTS | 2843 TWIN PINE ROAD THOMSON, GA 30824 | AFLAC | $426 | — | $426 | 2.99% |
| ADRIENNE WIEGENSTEIN3 Filed as: ADRIENNE WEGENSTEIN | PO BOX 953 CHELAN, WA 98816 | AFLAC | $288 | — | $288 | 2.02% |
| STEVEN L. LAPEKAS3 | 1086 BALMORAL TRACE STUART, FL 34997 | AFLAC | $282 | — | $282 | 1.98% |
| ROBERTS BENEFIT GROUP, INC.3 Filed as: ROBERTS BENEFITS GROUP, INC. | 8331 SANDS POINT BOULEVARD APARTMENT C206 TAMARAC, FL 33321 | AFLAC | $248 | — | $248 | 1.74% |
| ROBERT D. WIEGENSTEIN3 Filed as: ROBERT D. WEGENSTEIN | PO BOX 953 CHELAN, WA 98816 | AFLAC | $159 | — | $159 | 1.12% |
| HAMIDA M TRAINOR3 Filed as: HAMIDA M. TRAINOR | 2608 MEADOW ROAD WEST PALM BEACH, FL 33406 | AFLAC | $120 | — | $120 | 0.84% |
| KENDALL C HUDSON3 Filed as: KENDALL C. HUDSON | 801 NORTHPOINT PARKWAY, SUITE 35 WEST PALM BEACH, FL 33407 | AFLAC | $82 | — | $82 | 0.58% |
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 | 373 | 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) | 373 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 569 | $2.0M |
| Dental(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 373 | $223K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 373 | $142K |
| Life insurance(4 contracts, 3 carriers) | TRUSTMARK INSURANCE COMPANY | 281 | $334K |
| Short-term disability(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 154 | $184K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 154 | $103K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 569 | $2.0M |
| Other(4 contracts, 3 carriers) | TRUSTMARK INSURANCE COMPANY | 281 | $334K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 569 | — |
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.