| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | BLUE CROSS BLUE SHIELD OF FLORIDA | $19K | $0 | $19K | 4.00% |
| USI INSURANCE SERVICES LLC3 | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | BLUE CROSS BLUE SHIELD OF FLORIDA | $13K | $0 | $13K | 4.00% |
| USI INSURANCE SERVICES LLC3 | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $862 | $13K | 10.98% |
| USI INSURANCE SERVICES LLC3 | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | UNION SECURITY INSURANCE COMPANY | $4K | $0 | $4K | 8.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 201629 DALLAS, TX 75320 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 15.78% |
| ENROLLMENT ALLIANCE LLC3 Filed as: ENROLLMENT ALLIANCE | 1724 EAST 5TH AVENUE TAMPA, FL 33605 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 14.81% |
| ENRIQUE ALFREDO IGLESIAS3 | 2500 WINDING CREEK BOULEVARD SUITE F204 CLEARWATER, FL 33761 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.26% |
| JULIE RAKETICH3 | 6861 PARSON BROWN DRIVE ORLANDO, FL 32819 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $364 | $0 | $364 | 1.26% |
| KATHLEEN ANN NELSON3 | 8512 WESTERLAND DRIVE LAND O LAKES, FL 34637 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $295 | $0 | $295 | 1.02% |
| BENEFITS WITH FRIENDS3 | 9113 79TH AVENUE SEMINOLE, FL 33777 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $242 | $0 | $242 | 0.84% |
| CRISTINA M FIALLO3 Filed as: CRISTINA BRENNAN AND OTHER AGENTS | 18102 PORTSIDE STREET TAMPA, FL 33647 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $139 | $0 | $139 | 0.48% |
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 | 155 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 65 | $807K |
| Dental | UNION SECURITY INSURANCE COMPANY | 65 | $51K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 171 | $115K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 171 | $115K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 171 | $115K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 65 | $807K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 171 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.