| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $68K | $68K | 5.10% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $5K | $398 | $5K | 0.40% |
| MARK EDWARD PARTNERS LLC3 Filed as: MARK FELICIANO | 1040 AUDACE AVENUE, APARTMENT 13 BOYNTON BEACH, FL 33426 | BANKERS LIFE | $8K | $0 | $8K | 7.46% |
| DANIEL P. RIENZI AND OTHER AGENTS3 | 7941 PIPER LANE LAKE WORTH, FL 33463 | BANKERS LIFE | $2K | $0 | $2K | 2.14% |
| MATTHEW FELICIANO3 | 1040 AUDACE AVENUE, APARTMENT 413 BOYNTON BEACH, FL 33426 | BANKERS LIFE | $1K | $0 | $1K | 1.00% |
| PHILIP NAVARRO3 | 3725 RIVERSIDE WAY DELRAY BEACH, FL 33445 | BANKERS LIFE | $922 | $0 | $922 | 0.91% |
| ASHANI WALKER3 | 5980 AZALEA CIRCLE WEST PALM BEACH, FL 33415 | BANKERS LIFE | $561 | $0 | $561 | 0.55% |
| JOSEPH J. DAGOSTINO3 | 1572 STONEHAVEN ESTATES DRIVE WEST PALM BREACH, FL 33411 | BANKERS LIFE | $367 | $0 | $367 | 0.36% |
| KRYSTAL E. KING3 | 1801 PINE STREET, APARTMENT 3 MELBOURNE, FL 32901 | BANKERS LIFE | $367 | $0 | $367 | 0.36% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $0 | $10K | 15.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE ON BEHALF OF FIDELTIY SECURITY LIFE INSURANCE CO. | $1K | $0 | $1K | 10.00% |
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 | 110 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 102 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 105 | $1.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 105 | $1.3M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELTIY SECURITY LIFE INSURANCE CO. | 220 | $14K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 103 | $69K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 103 | $69K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 103 | $69K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 105 | $1.3M |
| Other(2 contracts, 2 carriers) | BANKERS LIFE | 105 | $171K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.