| 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 | $78K | $78K | 5.11% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | $0 | $6K | 0.36% |
| MARK EDWARD PARTNERS LLC3 Filed as: MARK FELICIANO | 1040 AUDACE AVENUE, APARTMENT 413 BOYNTON BEACH, FL 33426 | BANKERS LIFE | $9K | $0 | $9K | 8.34% |
| MATTHEW FELICIANO3 | 1040 AUDACE AVENUE, APARTMENT 413 BOYNTON BEACH, FL 33426 | BANKERS LIFE | $2K | $0 | $2K | 1.95% |
| MARCO A. CHIARELLA AND OTHER AGENTS3 | 23090 POST GARGENS WAY BOCA RATON, FL 33433 | BANKERS LIFE | $2K | $0 | $2K | 1.75% |
| DAWN M. JORDAN3 | 3621 NEWPORT AVENUE BOYNTON BEACH, FL 33436 | BANKERS LIFE | $869 | $0 | $869 | 0.79% |
| TIMOTHY JOHN MALDONADO3 | 2896 TENNIS CLUB DRIVE WEST PALM BEACH, FL 33417 | BANKERS LIFE | $631 | $0 | $631 | 0.57% |
| CHRISTOPHER DAVID LEVANGIE3 | 3077 NORTH EVERGREEN CIRCLE BOYNTON BEACH, FL 33426 | BANKERS LIFE | $594 | $0 | $594 | 0.54% |
| EMELY E. FLORES3 | 356 SOUTH CONGRESS AVENUE WEST PALM BEACH, FL 33406 | BANKERS LIFE | $521 | $0 | $521 | 0.47% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $0 | $13K | 15.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 3.91% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 10.71% |
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 | 115 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 116 | $1.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 116 | $1.5M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 242 | $15K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 120 | $88K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 120 | $88K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 120 | $88K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 116 | $1.5M |
| Other(2 contracts, 2 carriers) | BANKERS LIFE | 123 | $198K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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.