| 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 | $31K | $9K | $40K | 16.70% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2461 WEST SR 426, SUITE 2021 OVIEDO, FL 32765 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 2.07% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2461 WEST SR 426, SUITE 2021 OVIEDO, FL 32765 | TRUSTMARK INSURANCE COMPANY | $8K | $0 | $8K | 4.18% |
| USI INSURANCE SERVICES LLC3 | PO BOX 141916 CORAL GABLES, FL 33134 | TRUSTMARK INSURANCE COMPANY | $6K | $0 | $6K | 3.25% |
| DSM FINANCIAL LLC3 Filed as: DSM FINANCIAL | 950 PENINSULA CORPORATE CIRCLE SUITE 1005 BOCA RATON, FL 33428 | TRUSTMARK INSURANCE COMPANY | $2K | $0 | $2K | 0.81% |
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE CENTER PARKWAY SUITE 700 ATLANTA, GA 30328 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | $7K | $23K | 14.66% |
| THE SOUTHERN REGION LLC3 Filed as: THE SOUTHERN REGION, LLC | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.98% |
| 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 | 4.98% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2461 WEST SR 426, SUITE 2021 OVIEDO, FL 32765 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.68% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE, SUITE 400 VALHALLA, NY 10595 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.87% |
| HOWARD ABERMAN3 | 2601 SOUTH BAYSHORE DRIVE SUITE 1601 COCONUT GROVE, FL 33133 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $819 | $0 | $819 | 1.81% |
| C HUDSON AND ASSOCIATES3 Filed as: C HUDSON AND ASSOC AND OTHER AGENTS | 2843 TWIN PINE ROAD THOMSON, GA 30824 | AFLAC | $798 | $0 | $798 | 3.67% |
| ADRIANNE WIEGENSTEIN3 | 1117 EAST CRIMM ROAD SAN TAN VALLEY, AZ 85143 | AFLAC | $496 | $0 | $496 | 2.28% |
| STEVEN L. LAPEKAS3 | 1086 SW BALMORAL TERRACE STUART, FL 34997 | AFLAC | $389 | $0 | $389 | 1.79% |
| ROBERT D. WIEGENSTEIN3 | 1117 EAST CRIMM ROAD SAN TAN VALLEY, AZ 85143 | AFLAC | $255 | $0 | $255 | 1.17% |
| DONALD ROBERTS3 Filed as: DONALD L. ROBERTS | 8331 SANDS POINT BOULEVARD SUITE C206 TAMARAC, FL 33321 | AFLAC | $209 | $0 | $209 | 0.96% |
| HAMIDA M TRAINOR3 Filed as: HAMIDA M. TRAINOR | 631 LUCERNE AVENUE, SUITE 57 LAKE WORTH BEACH, FL 33460 | AFLAC | $192 | $0 | $192 | 0.88% |
| ROBERTS BENEFIT GROUP, INC.3 | 8331 SANDS POINT BOULEVARD SUITE C206 TAMARAC, FL 33321 | AFLAC | $163 | $0 | $163 | 0.75% |
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 | 364 | 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) | 364 | 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 | 364 | $181K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 364 | $160K |
| Life insurance(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 411 | $460K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 211 | $261K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 211 | $239K |
| Other(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 411 | $506K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 411 | — |
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.