| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 4601 TOUCHTON ROAD EAST, SUITE 3210 JACKSONVILLE, FL 32246 | HEALTH OPTIONS, INC. | $34K | $0 | $34K | 7.30% |
| USI INSURANCE SERVICES LLC3 | 4601 TOUCHTON ROAD EAST, SUITE 3210 JACKSONVILLE, FL 32246 | BLUE CROSS BLUE SHIELD OF FLORIDA | $19K | $0 | $19K | 5.35% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | $2K | $19K | 15.67% |
| USI INSURANCE SERVICES LLC5 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.15% |
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 | 152 | 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) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HEALTH OPTIONS, INC. | 64 | $826K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 152 | $120K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 152 | $120K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 152 | $120K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 152 | $120K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 152 | $120K |
| Prescription drug(3 contracts, 3 carriers) | HEALTH OPTIONS, INC. | 64 | $826K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 152 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.