| 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 | $40K | $27K | $67K | 16.80% |
| USI INSURANCE SERVICES LLC3 | 1715 NORTH WESTSHORE BOULEVARD SUITE 700 TAMPA, FL 33607 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $32K | $10K | $41K | 13.12% |
| ENROLLMENT ALLIANCE LLC3 Filed as: ENROLLMENT ALLIANCE | 1724 EAST 5TH AVENUE TAMPA, FL 33605 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 14.29% |
| USI INSURANCE SERVICES LLC3 | 2502 NORTH ROCKY POINT DRIVE SUITE 400 ROCKY POINT, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $951 | $0 | $951 | 5.97% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH STREET HAMMONTON, NJ 08037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $266 | $0 | $266 | 1.67% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SVCS, INC. | 700 WEST 47TH STREET, SUITE 1100 KANSAS CITY, MO 64112 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $223 | $0 | $223 | 1.40% |
| VICTORRIO PAUL ZANIOL INC3 Filed as: VICTORRIO PAUL ZANIOL | 7511 BURLINGTON AVENUE NORTH SAINT PETERSBURG, FL 33710 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $169 | $0 | $169 | 1.06% |
| ENIRIQUE ALFREDO IGLESIAS3 | 2500 WINDING CREEK BOULEVARD SUITE F204 CLEARWATER, FL 33761 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $131 | $0 | $131 | 0.82% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN, INC AND AGENTS | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $73 | $0 | $73 | 0.46% |
| USI INSURANCE SERVICES LLC3 | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | ZURICH AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | $0 | $2K | $2K | 15.00% |
| CARL V. SCHROEDER4 | 2749 RUNYON CIRCLE ORLANDO, FL 32837 | PREPAID LEGAL SERVICES INC. DBA LEGALSHIELD | $90 | $0 | $90 | 5.54% |
| RONALD C TRULUCK4 Filed as: RONALD L. MILLER | 1001 ERROL PARKWAY APOPKA, FL 32712 | PREPAID LEGAL SERVICES INC. DBA LEGALSHIELD | $90 | $0 | $90 | 5.54% |
| USI INSURANCE SERVICES LLC4 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | PREPAID LEGAL SERVICES INC. DBA LEGALSHIELD | $75 | $0 | $75 | 4.62% |
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 | 597 | 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) | 597 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 476 | $316K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 476 | $316K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 597 | $414K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 597 | $398K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 597 | $398K |
| Other(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 597 | $428K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 597 | — |
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.