| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1715 NORTH WEST SHORE BOULEVARD SUITE 700 TAMPA, FL 33607 | BLUE CROSS BLUE SHIELD OF FLORIDA | $69K | — | $69K | 3.87% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1715 NORTH WEST SHORE BOULEVARD SUITE 700 TAMPA, FL 33607 | HEALTH OPTIONS | $26K | $0 | $26K | 3.65% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | $11K | $33K | 11.97% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | STARMOUNT LIFE INSURANCE COMPANY | $7K | $4K | $11K | 11.30% |
| JANILLE C. MCCALL3 Filed as: JANILLE MCCALL | 1520 CASA RIO DRIVE ORLANDO, FL 32825 | AFLAC | $952 | $0 | $952 | 6.42% |
| JOYCE WEBER ENTERPRISES INC3 | 13313 FALCON POINTE DRIVE ORLANDO, FL 32837 | AFLAC | $614 | $0 | $614 | 4.14% |
| DH2 ENTERPRISES INC3 | 13313 FALCON POINTE DRIVE ORLANDO, FL 32837 | AFLAC | $218 | $0 | $218 | 1.47% |
| MJ INSURANCE3 Filed as: MKF & ASSOCIATES AND VARIOUS AGENTS | 4222 MARDEN WAY VESTAVIA, AL 35242 | AFLAC | $186 | $0 | $186 | 1.25% |
| THE PERRY GROUP INC3 | 1650 SAND LAKE ROAD, SUITE 201D ORLANDO, FL 32809 | AFLAC | $109 | $0 | $109 | 0.74% |
| A & M BONURA & ASSOCIATES INC3 | 1882 LAUREL BROOK LOOP CASSELBERRY, FL 32707 | AFLAC | $73 | $0 | $73 | 0.49% |
| J W GRIMES INC3 | 6165 WATERFORD ROAD COLUMBUS, GA 31904 | AFLAC | $55 | $0 | $55 | 0.37% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $1K | — | $1K | 10.83% |
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 | 165 | 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) | 165 | 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 | 94 | $2.5M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 121 | $96K |
| Vision | VISION SERVICE PLAN | 104 | $12K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 165 | $279K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 165 | $279K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 165 | $279K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 94 | $2.5M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 165 | $294K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.