| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $37K | $25K | $62K | 16.87% |
| USI INSURANCE SERVICES LLC3 | 1715 NORTH WESTSHORE BOULEVARD SUITE 700 TAMPA, FL 33607 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $32K | $9K | $40K | 12.76% |
| ENROLLMENT ALLIANCE LLC3 Filed as: ENROLLMENT ALLIANCE | 1724 EAST 5TH AVENUE TAMPA, FL 33605 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $970 | $0 | $970 | 7.04% |
| USI INSURANCE SERVICES LLC | 1715 NORTH WESTSHORE BOULEVARD SUITE 700 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $849 | $0 | $849 | 6.16% |
| ALFREDO IGLESIAS ENRIQUE3 | 2500 WINDING CREEK BOULEVARD CLEARWTER, FL 33761 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $392 | $0 | $392 | 2.85% |
| PAUL ZANIOL VICTORRIO3 | 7511 BURLINGTON AVENUE NORTH SAINT PETERSBURG, FL 33710 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $364 | $0 | $364 | 2.64% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEIFTS AND INS. SVCS. INC. | 700 WEST 47TH STREET, SUITE 1100 KANSAS CITY, MO 64112 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $333 | $0 | $333 | 2.42% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET HAMMONTON, NJ 08037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $311 | $0 | $311 | 2.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN AND OTHER AGENTS | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $71 | $0 | $71 | 0.52% |
| USI INSURANCE SERVICES LLC3 | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | ZURICH AMERICAN INSURANCE COMPANY | $763 | $0 | $763 | 15.01% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | $0 | $763 | $763 | 15.01% |
| CARL V. SCHROEDER4 | 2749 RUNYON CIRCLE ORLANDO, FL 32837 | PREPAID LEGAL SERVICES INC. DBA LEGALSHIELD | $321 | $0 | $321 | 13.65% |
| RONALD C TRULUCK4 Filed as: RONALD L. MILLER | 1001 ERROL PARKWAY APOPKA, FL 32712 | PREPAID LEGAL SERVICES INC. DBA LEGALSHIELD | $315 | $0 | $315 | 13.40% |
| USI INSURANCE SERVICES LLC4 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | PREPAID LEGAL SERVICES INC. DBA LEGALSHIELD | $109 | $0 | $109 | 4.64% |
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 | 544 | 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) | 544 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 428 | $316K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 428 | $316K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 544 | $381K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 544 | $367K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 544 | $367K |
| Other(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 544 | $388K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 544 | — |
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.