| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2461 WEST SR 426, SUITE 2021 OVIEDO, FL 32765 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $18K | $0 | $18K | 6.44% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE, SUITE 400 VALHALLA, NY 10595 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $17K | $0 | $17K | 6.14% |
| DSM FINANCIAL LLC3 Filed as: DSM FINANCIAL, LLC | 950 PENINSULA CORPORATION CIRCLE SUITE 1005 BOCA RATON, FL 33487 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $13K | $0 | $13K | 4.90% |
| THE SOUTHERN REGION LLC3 Filed as: THE SOUTHERN REGION, LLC | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $12K | $0 | $12K | 4.50% |
| NATIONAL AGENCY SOLUTIONS LLC3 Filed as: NATIONAL AGENCY SOLUTIONS, LLC | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $828 | $0 | $828 | 0.30% |
| HOWARD ABERMAN3 | 2601 SOUTH BAYSHORE DRIVE SUITE 1601 COCONUT GROVE, FL 33133 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $819 | $0 | $819 | 0.30% |
| UNKNOWN3 | UNKNOWN POMPANO BEACH, FL 33069 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $253 | $0 | $253 | 0.09% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $34K | $0 | $34K | 13.38% |
| EXPLAIN MY BENEFITS LLC3 | 2461 WEST STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 1.62% |
| EXPLAIN MY BENEFITS LLC3 | 2461 WEST STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | TRUSTMARK INSURANCE COMPANY | $9K | $0 | $9K | 4.76% |
| USI INSURANCE SERVICES LLC3 | PO BOX 141916 CORAL GABLES, FL 33134 | TRUSTMARK INSURANCE COMPANY | $8K | $0 | $8K | 4.22% |
| DSM FINANCIAL LLC3 Filed as: DSM FINANCIAL | 950 PENINSULA CORPORATE CIRCLE SUITE 1005 BOCA RATON, FL 33428 | TRUSTMARK INSURANCE COMPANY | $4K | $0 | $4K | 1.95% |
| USI INSURANCE SERVICES LLC3 | 1301 GERVIAS STREET, SUITE 500 COLUMBIA, SC 29201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $8K | $22K | 15.60% |
| MJ INSURANCE3 Filed as: C. HUDSON AND VARIOUS AGENTS | 2843 TWIN PINE ROAD THOMSON, GA 30824 | AFLAC | $910 | $0 | $910 | 3.17% |
| ADRIANNE WIEGENSTEIN3 | PO BOX 953 CHELAN, WA 98816 | AFLAC | $589 | $0 | $589 | 2.05% |
| STEVEN L. LAPEKAS3 | 1086 SOUTHWEST BALMORAL TERRACE STUART, FL 34997 | AFLAC | $563 | $0 | $563 | 1.96% |
| ROBERTS BENEFIT GROUP, INC.3 | 8331 SANDS POINT BOULEVARD SUITE C206 TAMARAC, FL 33321 | AFLAC | $498 | $0 | $498 | 1.74% |
| ROBERT D. WIEGENSTEIN3 | PO BOX 953 CHELAN, WA 98816 | AFLAC | $343 | $0 | $343 | 1.20% |
| HAMIDA M TRAINOR3 Filed as: HAMIDA M. TRAINOR | 2608 MEADOW ROAD WEST PALM BEACH, FL 33406 | AFLAC | $242 | $0 | $242 | 0.84% |
| KENDALL C HUDSON3 Filed as: KENDALL C. HUDSON | 801 NORTHPOINT PARKWAY, SUITE 35 WEST PALM BEACH, FL 33407 | AFLAC | $169 | $0 | $169 | 0.59% |
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 | 556 | 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) | 556 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 399 | $170K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 399 | $142K |
| Life insurance(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 383 | $462K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 199 | $280K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 199 | $251K |
| Other(4 contracts, 4 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 383 | $736K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 399 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.