| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 1715 NORTH WEST SHORE BOULEVARD SUITE 700 TAMPA, FL 33607 | BLUE CROSS BLUE SHIELD OF FLORIDA | $71K | $0 | $71K | 4.00% |
| USI INSURANCE SERVICES LLC3 | 1715 NORTH WEST SHORE BOULEVARD SUITE 700 TAMPA, FL 33607 | HEALTH OPTIONS | $24K | $0 | $24K | 4.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $31K | $0 | $31K | 7.87% |
| JANILLE C. MCCALL3 | 1520 CASA RIO DRIVE ORLANDO, FL 32825 | AFLAC | $1K | $0 | $1K | 6.87% |
| MKF & ASSOCIATES INC3 Filed as: MKF & ASSOCIATES, INC. AND AGENTS | 4222 MARDEN WAY VESTAVIA, AL 35242 | AFLAC | $173 | $0 | $173 | 1.07% |
| THE PERRY GROUP INC3 Filed as: THE PERRY GROUP, INC. | 1650 SAND LAKE ROAD, SUITE 201D ORLANDO, FL 32809 | AFLAC | $132 | $0 | $132 | 0.81% |
| DH2 ENTERPRISES INC3 Filed as: DH2 ENTERPRISES, INC. | 13313 FALCON POINTE DRIVE ORLANDO, FL 32837 | AFLAC | $118 | $0 | $118 | 0.73% |
| JOYCE WEBER ENTERPRISES INC3 Filed as: JOYCE WEBER ENTERPRISES, INC. | 13313 FALCON POINTE DRIVE ORLANDO, FL 32837 | AFLAC | $101 | $0 | $101 | 0.62% |
| J W GRIMES INC3 Filed as: J W GRIMES, INC. | 6165 WATERFORD ROAD COLUMBUS, GA 31904 | AFLAC | $68 | $0 | $68 | 0.42% |
| JUSTIN WAYNE WEBER3 | 12030 AGANA STREET ORLANDO, FL 32837 | AFLAC | $58 | $0 | $58 | 0.36% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $1K | $0 | $1K | 9.98% |
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 | 169 | 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) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 101 | $2.4M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 169 | $394K |
| Vision | VISION SERVICE PLAN | 104 | $11K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 169 | $394K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 169 | $394K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 169 | $394K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 101 | $2.4M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 169 | $410K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.