| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | $29K | $40K | 5.75% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE - FLORIDA | 6750 NORTH ANDREWS AVENUE SUITE 125 FORT LAUDERDALE, FL 33309 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $2K | $7K | 2.34% |
| GATEWAY-ACENTRIA INSURANCE, LLC.3 Filed as: GATEWAY-ACENTRIA INSURANCE LLC | 2430 WEST OAKLAND PARK BOULEVARD OAKLAND PARK, FL 33311 | UNITEDHEALTHCARE INSURANCE COMPANY | $508 | $0 | $508 | 0.16% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | $8K | $18K | 17.96% |
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 | 233 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 416 | $1.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 416 | $703K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 416 | $703K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 222 | $102K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 222 | $102K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 222 | $102K |
| Prescription drug(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 416 | $1.0M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 222 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 416 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.