| 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. | — | $93K | $93K | 3.44% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62689 VIRGINIA BEACH, VA 23466 | AETNA HEALTH, INC. | — | $48K | $48K | 1.76% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 201 ALHAMBRA CIRCLE, SUITE 801 CORAL GABLES, FL 33134 | TRUSTMARK INSURANCE COMPANY | $9K | — | $9K | 5.50% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS LLC. | 2461 WEST STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | TRUSTMARK INSURANCE COMPANY | $6K | — | $6K | 3.76% |
| HOWES, INC.3 | 2461 WEST STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | TRUSTMARK INSURANCE COMPANY | $4K | — | $4K | 2.35% |
| DSM FINANCIAL LLC3 Filed as: DSM FINANCIAL | 10519 WHEELHOUSE CIRCLE BOCA RATON, FL 33428 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 1.52% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1301 GERVAIS STREET, SUITE 500 COLUMBIA, SC 29201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | $4K | $20K | 12.72% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62689 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $67 | $11K | 13.40% |
| HOWES, INC.3 | 2461 WEST STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 7.75% |
| C HUDSON AND ASSOCIATES3 Filed as: C HUDSON AND ASSOC AND OTHER AGENTS | 2843 TWIN PINE ROAD THOMSON, GA 30824 | AFLAC | $992 | — | $992 | 3.00% |
| STEVEN L. LAPEKAS3 Filed as: STEVEN L LAPEKAS | 1086 SW BALMORAL TRACE STUART, FL 34997 | AFLAC | $659 | — | $659 | 1.99% |
| ADRIENNE WIEGENSTEIN3 | PO BOX 953 CHELAN, WA 98816 | AFLAC | $655 | — | $655 | 1.98% |
| ROBERTS BENEFIT GROUP, INC.3 | 8331 SANDS POINT BOULEVARD APARTMENT C206 TAMARAC, FL 33321 | AFLAC | $577 | — | $577 | 1.74% |
| ROBERT D. WIEGENSTEIN3 | PO BOX 953 CHELAN, WA 98816 | AFLAC | $380 | — | $380 | 1.15% |
| HAMIDA M TRAINOR3 Filed as: HAMIDA M. TRAINOR | 2608 MEADOW ROAD WEST PALM BEACH, FL 33406 | AFLAC | $279 | — | $279 | 0.84% |
| KENDALL C HUDSON3 Filed as: KENDALL C. HUDSON | 801 NORTHPOINT PARKWAY, SUITE 35 WEST PALM BEACH, FL 33407 | AFLAC | $189 | — | $189 | 0.57% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 2400 EAST COMMERCIAL BOULEVARD SUITE 600 FORT LAUDERDALE, FL 33308 | AETNA LIFE INSURANCE COMPANY | — | $811 | $811 | 3.98% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62689 VIRGINIA BEACH, VA 23466 | AETNA LIFE INSURANCE COMPANY | — | $286 | $286 | 1.40% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 100 NE 3RD AVENUE, SUITE 610 FORT LAUDERDALE, FL 33301 | AETNA LIFE INSURANCE COMPANY | — | $92 | $92 | 0.45% |
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 | 379 | 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) | 379 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 556 | $2.7M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 379 | $189K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 379 | $156K |
| Life insurance(3 contracts, 3 carriers) | TRUSTMARK INSURANCE COMPANY | 338 | $271K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 212 | $113K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 212 | $80K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 556 | $2.7M |
| Other(3 contracts, 3 carriers) | TRUSTMARK INSURANCE COMPANY | 338 | $271K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 556 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.