| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $34K | $15K | $49K | 18.59% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS | 2461 WEST SR 426, SUITE 2021 OVIEDO, FL 32765 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 2.03% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS | 2461 WEST SR 426, SUITE 2021 OVIEDO, FL 32765 | TRUSTMARK INSURANCE COMPANY | $9K | $0 | $9K | 5.14% |
| USI INSURANCE SERVICES LLC3 | PO BOX 141916 CORAL GABLES, FL 33134 | TRUSTMARK INSURANCE COMPANY | $8K | $0 | $8K | 4.50% |
| DSM FINANCIAL LLC3 Filed as: DSM FINANCIAL | 950 PENINSULA CORPORATE CIRCLE SUITE 1005 BOCA RATON, FL 33428 | TRUSTMARK INSURANCE COMPANY | $4K | $0 | $4K | 2.10% |
| USI INSURANCE SERVICES LLC3 | 1715 NORTH WESTSHORE BOULEVARD SUITE 700 TAMPA, FL 33607 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $7K | $22K | 14.36% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE, SUITE 400 VALHALLA, NY 10595 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.15% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2461 WEST SR 426, SUITE 2021 OVIEDO, FL 32765 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.15% |
| THE SOUTHERN REGION LLC3 Filed as: THE SOUTHERN REGION, LLC | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.97% |
| DSM FINANCIAL LLC3 Filed as: DSM FINANCIAL, LLC | 950 PENINSULA CORPORATION COURT SUITE 1005 BOCA RATON, FL 33487 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.97% |
| KENDALL C HUDSON3 Filed as: KENDALL C. HUDSON AND OTHER AGENTS | 1645 PALM BEACH LAKES BOULEVARD SUITE 1200 WEST PALM BEACH, FL 33401 | AFLAC | $760 | $0 | $760 | 3.12% |
| ADRIANNE WIEGENSTEIN3 | 3437 71ST AVENUE EAST ELLENTON, FL 34222 | AFLAC | $531 | $0 | $531 | 2.18% |
| STEVEN L. LAPEKAS3 | 1086 SW BALMORAL TERRACE STUART, FL 34997 | AFLAC | $447 | $0 | $447 | 1.83% |
| ROBERTS BENEFIT GROUP, INC.3 | 8331 SANDS POINT BOULEVARD APARTMENT C2069 TAMARAC, FL 33321 | AFLAC | $411 | $0 | $411 | 1.69% |
| ROBERT D. WIEGENSTEIN3 | 3437 71ST AVENUE EAST ELLENTON, FL 34222 | AFLAC | $280 | $0 | $280 | 1.15% |
| HAMIDA M TRAINOR3 Filed as: HAMIDA M. TRAINOR | 631 LUCERNE AVENUE, SUITE 57 LAKE WORTH BEACH, FL 33463 | AFLAC | $175 | $0 | $175 | 0.72% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE ROAD THOMSON, GA 30824 | AFLAC | $160 | $0 | $160 | 0.66% |
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 | 375 | 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) | 375 | 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 | 375 | $178K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 375 | $153K |
| Life insurance(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 413 | $461K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 214 | $286K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 214 | $261K |
| Other(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 413 | $509K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 413 | — |
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.