| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $81K | $50K | $131K | 15.31% |
| CERIDIAN CLIENTS FUNDS TRUST3 | 3311 EAST OLD SHAKOPEE ROAD MINNEAPOLIS, MN 55425 | STANDARD INSURANCE COMPANY | $0 | $4K | $4K | 0.42% |
| ENROLLMENT ALLIANCE LLC3 Filed as: ENROLLMENT ALLIANCE, LLC | 1302 NORTH 19TH STREET, SUITE 150 TAMPA, FL 33605 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | $0 | $6K | 17.82% |
| USI INSURANCE SERVICES LLC3 | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.42% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH STREET HAMMONTON, NJ 08037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $288 | $0 | $288 | 0.87% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS, INC | 700 WEST 47TH STREET, SUITE 1100 KANSAS CITY, MO 64112 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $221 | $0 | $221 | 0.66% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL, INC. & AGENTS | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $79 | $0 | $79 | 0.24% |
| VICTORRIO PAUL ZANIOL INC3 Filed as: VICTORRIO PAUL ZANIOL | 690 64TH STREET SOUTH SAINT PETERSBURG, FL 33707 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $70 | $0 | $70 | 0.21% |
| ENRIQUE ALFREDO IGLESIAS3 | 204 EAST SOUTH STREET, UNIT 4055 ORLANDO, FL 32801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $54 | $0 | $54 | 0.16% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | $3K | $848 | $3K | 20.00% |
| USI INSURANCE SERVICES LLC3 | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33067 | ZURICH AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| CARL V. SCHROEDER4 | 2749 RUNYON CIRCLE ORLANDO, FL 32837 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $682 | $0 | $682 | 5.95% |
| RONALD C TRULUCK4 Filed as: RONALD L. MILLER | 1001 ERROL PARKWAY APOPKA, FL 32712 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $682 | $0 | $682 | 5.95% |
| USI INSURANCE SERVICES LLC4 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $585 | $0 | $585 | 5.10% |
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 | 611 | 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) | 614 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 951 | $858K |
| Vision | STANDARD INSURANCE COMPANY | 951 | $858K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 951 | $891K |
| Short-term disability | STANDARD INSURANCE COMPANY | 951 | $858K |
| Long-term disability | STANDARD INSURANCE COMPANY | 951 | $858K |
| Other(4 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 951 | $919K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 951 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.