| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $66K | $0 | $66K | 7.63% |
| WHARTON SMITH, INC.3 | 750 MONROE ROAD SANFORD, FL 32771 | STANDARD INSURANCE COMPANY | $0 | $16K | $16K | 1.91% |
| ENROLLMENT ALLIANCE LLC3 Filed as: ENROLLMENT ALLIANCE | 1302 NORTH 19TH STREET, SUITE 150 TAMPA, FL 33605 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 12.44% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH STREET HAMMONTON, NJ 08037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.51% |
| USI INSURANCE SERVICES LLC3 | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.99% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS. SERVICES, INC. | 700 WEST 47TH STREET, SUITE 1100 KANSAS CITY, MO 64112 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $202 | $0 | $202 | 0.89% |
| VICTORRIO PAUL ZANIOL INC3 Filed as: VICTORRIO PAUL ZANIOL | 7511 BURLINGTON AVENUE NORTH SAINT PETERSBURG, FL 33710 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $76 | $0 | $76 | 0.34% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN, INC. AND AGENTS | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $67 | $0 | $67 | 0.30% |
| ENRIQUE ALFREDO IGLESIAS3 | 204 EAST SOUTH STREET, UNIT 4055 ORLANDO, FL 32801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $58 | $0 | $58 | 0.26% |
| CARL V. SCHROEDER4 | 2749 RUNYON CIRCLE ORLANDO, FL 32837 | PREPAID LEGAL SERVICES INC. DBA LEGALSHIELD | $940 | $0 | $940 | 11.06% |
| RONALD C TRULUCK4 Filed as: RONALD L. MILLER | 1001 ERROL PARKWAY APOPKA, FL 32712 | PREPAID LEGAL SERVICES INC. DBA LEGALSHIELD | $507 | $0 | $507 | 5.96% |
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 | 614 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 617 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 932 | $861K |
| Vision | STANDARD INSURANCE COMPANY | 932 | $861K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 932 | $884K |
| Short-term disability | STANDARD INSURANCE COMPANY | 932 | $861K |
| Long-term disability | STANDARD INSURANCE COMPANY | 932 | $861K |
| Other(4 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 932 | $892K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 932 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.