| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 2400 EAST COMMERCIAL BOULEVARD SUITE 600 FORT LAUDERDALE, FL 33308 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $111K | $111K | 4.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 100 NE 3RD AVENUE SUITE 600 FORT LAUDERDALE, FL 33301 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $3K | $3K | 0.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER CAY CARSWELL INC | 1 INDEPENDENCE DRIVE SUITE 630 JACKSONVILLE, FL 32202 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | -$111 | -$111 | -0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 76 SOUTH LAURA STREET SUITE 1400 JACKSONVILLE, FL 32202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 2975 REGENT BOULEVARD ATTN LOCKBOX 201629 IRVING, TX 75063 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | $3K | $20K | 12.03% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 4601 TOUCHTON ROAD, SUITE 3210 JACKSONVILLE, FL 32246 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 5.46% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 4601 TOUCHTON ROAD SUITE 3210 JACKSONVILLE, FL 32246 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.54% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 201629 DALLAS, TX 75320 | HUMANA INSURANCE COMPANY OF NEW YORK | $4K | $0 | $4K | 10.02% |
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 | 398 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 405 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 419 | $2.7M |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 541 | $205K |
| Vision | HUMANA INSURANCE COMPANY OF NEW YORK | 243 | $44K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 428 | $162K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 390 | $93K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 390 | $93K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 419 | $2.7M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 428 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 541 | — |
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.