| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 2400 EAST COMMERCIAL BOULEVARD FORT LAUDERDALE, FL 33308 | AETNA LIFE INSURANCE COMPANY | $0 | $73K | $73K | 5.66% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE HOLDINGS, INC. | 101 SOUTH GARLAND AVENUE ORLANDO, FL 32801 | AETNA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 0.70% |
| USI INSURANCE SERVICES LLC3 | 1715 NORTH WESTSHORE BOULEVARD SUITE 700 TAMPA, FL 33607 | THE GUARDIAN LIFE INSURANCE COMPANY | $9K | — | $9K | 5.34% |
| UNKNOWN3 | UNKNOWN ORLANDO, FL 32811 | THE GUARDIAN LIFE INSURANCE COMPANY | — | $8K | $8K | 4.46% |
| USI INSURANCE SERVICES LLC3 | 2502 NORTH ROCKY POINT DRIVE SUITE 400 ROCKY POINT, FL 33607 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | $0 | $12K | 10.93% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.57% |
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 | 253 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 29 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 239 | $1.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 257 | $173K |
| Vision | VISION SERVICE PLAN | 162 | $22K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY | 257 | $173K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 239 | $1.3M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY | 257 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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.