| 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 | $26K | $0 | $26K | 5.00% |
| USI INSURANCE SERVICES LLC3 | 4601 TOUCHTON ROAD EAST, SUITE 3210 JACKSONVILLE, FL 32246 | USABLE LIFE | $628 | $0 | $628 | 0.38% |
| USI INSURANCE SERVICES LLC3 | 4601 TOUCHTON ROAD EAST, SUITE 3210 JACKSONVILLE, FL 32246 | BLUECROSS BLUESHIELD OF FLORIDA | $8K | $0 | $8K | 5.00% |
| USI INSURANCE SERVICES LLC3 | 4601 TOUCHTON ROAD EAST, SUITE 3210 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $2K | $0 | $2K | 7.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS. SERVICES, INC. | 1300 CITIZENS BOULEVARD, SUITE 100 LEESBURG, FL 34748 | FLORIDA COMBINED LIFE | $184 | $0 | $184 | 0.61% |
| USI INSURANCE SERVICES LLC3 | 4601 TOUCHTON ROAD EAST, SUITE 3210 JACKSONVILLE, FL 32246 | BLUECROSS BLUESHIELD OF FLORIDA, INC. | $772 | $0 | $772 | 8.92% |
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 | 216 | 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) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC | 42 | $677K |
| Dental | FLORIDA COMBINED LIFE | 60 | $30K |
| Vision | BLUECROSS BLUESHIELD OF FLORIDA, INC. | 58 | $9K |
| Life insurance | USABLE LIFE | 216 | $167K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC | 42 | $677K |
| Other | USABLE LIFE | 216 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.