| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1715 N WEST SHORE BLVD STE 700 TAMPA, FL 33607 | HEALTH OPTIONS | $35K | — | $35K | 2.77% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1715 N WEST SHORE BLVD STE 700 TAMPA, FL 33607 | BLUE CROSS BLUE SHIELD OF FLORIDA | $25K | — | $25K | 2.25% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62689 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $58K | — | $58K | 13.08% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 2502 N ROCKY POINT DR STE 400 TAMPA, FL 33607 | STANDARD INSURANCE COMPANY | — | $19K | $19K | 4.32% |
| PAYCOR INC3 Filed as: PAYCOR, INC. | PO BOX 639860 CINCINNATI, OH 45263 | STANDARD INSURANCE COMPANY | — | $16K | $16K | 3.56% |
| MULTIPLE BROKERS (SEE APPENDIX)3 Filed as: MULTIPLE BROKERS SEE APPENDIX | PO BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $21K | $3K | $25K | 28.59% |
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 | 312 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 314 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 99 | $2.3M |
| Dental | STANDARD INSURANCE COMPANY | 312 | $447K |
| Vision | STANDARD INSURANCE COMPANY | 312 | $447K |
| Life insurance | STANDARD INSURANCE COMPANY | 312 | $447K |
| Short-term disability | STANDARD INSURANCE COMPANY | 312 | $447K |
| Long-term disability | STANDARD INSURANCE COMPANY | 312 | $447K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 99 | $2.3M |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 125 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 312 | — |
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."
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.