| 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 | $33K | $10K | $44K | 16.89% |
| EXPLAIN MY BENEFITS LLC5 Filed as: EXPLAIN MY BENEFITS, LLC | 2461 WEST STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $8K | $13K | 5.03% |
| USI INSURANCE SERVICES LLC3 | PO BOX 141916 CORAL GABLES, FL 33134 | TRUSTMARK INSURANCE COMPANY | $4K | $0 | $4K | 2.38% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2461 WEST STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | TRUSTMARK INSURANCE COMPANY | $3K | $0 | $3K | 1.89% |
| DSM FINANCIAL LLC3 Filed as: DSM FINANCIAL | 950 PENINSULA CORPORATE CIRCLE SUITE 1005 BOCA RATON, FL 33428 | TRUSTMARK INSURANCE COMPANY | $2K | $0 | $2K | 1.11% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS | 2461 WEST SR 426, SUITE 2021 OVIEDO, FL 32764 | TRUSTMARK INSURANCE COMPANY | $2K | $0 | $2K | 1.00% |
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE CENTER PARKWAY SUITE 700 ATLANTA, GA 30328 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | $7K | $23K | 14.41% |
| 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 | 950 PENINSULA CORPORATE CIRCLE SUITE 1005 BOCA RATON, FL 33428 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.98% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE, SUITE 400 VALHALLA, NY 10595 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.40% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2461 WEST STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.40% |
| KENDALL C HUDSON3 Filed as: KENDALL HUDSON AND OTHER AGENTS | 1645 PALM BEACH LAKES BOULEVARD SUITE 1200 WEST PALM BEACH, FL 33401 | AFLAC | $581 | $0 | $581 | 3.03% |
| ADRIANNE WIEGENSTEIN3 | 1117 EAST CRIMM ROAD SAN TAN VALLEY, AZ 85143 | AFLAC | $436 | $0 | $436 | 2.27% |
| STEVEN L. LAPEKAS3 Filed as: STEVEN LAPEKAS | 1066 SW BALMORAL TERRACE STUART, FL 34997 | AFLAC | $338 | $0 | $338 | 1.76% |
| DONALD ROBERTS3 | 8331 SANDS POINT BOULEVARD APARTMENT C206 TAMARAC, FL 33321 | AFLAC | $324 | $0 | $324 | 1.69% |
| ROBERT D. WIEGENSTEIN3 Filed as: ROBERT WIEGENSTEIN | 1117 EAST CRIMM ROAD SAN TAN VALLEY, AZ 85143 | AFLAC | $247 | $0 | $247 | 1.29% |
| HAMIDA M TRAINOR3 Filed as: HAMIDA TRAINOR | 631 LUCERNE AVENUE, SUITE 57 LAKE WORTH BEACH, FL 33460 | AFLAC | $160 | $0 | $160 | 0.83% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE ROAD THOMSON, GA 30824 | AFLAC | $125 | $0 | $125 | 0.65% |
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 | 344 | 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) | 344 | 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 | 344 | $176K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 344 | $156K |
| Life insurance(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 330 | $462K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 198 | $277K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 198 | $258K |
| Other(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 330 | $511K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 344 | — |
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.