| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | — | HEALTH OPTIONS, INC. | $16K | — | $16K | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 9.95% |
| STEVEN E. GOLDIN INSURANCE, INC.3 Filed as: STEVEN E GOLDIN INSURANCE INC | USI INSURANCE SERVICES PO BOX 141916 CORAL GABLES, FL 331141916 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.05% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| STEVEN E. GOLDIN INSURANCE, INC.3 Filed as: STEVEN E GOLDIN INSURANCE INC | USI INSURANCE SERVICES PO BOX 141916 CORAL GABLES, FL 331141916 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 9.75% |
| STEVEN E. GOLDIN INSURANCE, INC.3 Filed as: STEVEN E GOLDIN INSURANCE INC | USI INSURANCE SERVICES PO BOX 141916 CORAL GABLES, FL 331141916 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $771 | — | $771 | 2.25% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 2400 E. COMMERCIAL BLVD SUITE 600 FT. LAUDERDALE, FL 33308 | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC | — | $206 | $206 | 5.07% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC | — | $70 | $70 | 1.72% |
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 | 192 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH OPTIONS, INC. | 179 | $411K |
| Dental | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC | 75 | $4K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 192 | $61K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 192 | $50K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 73 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.