| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 2400 EAST COMMERCIAL BOULEVARD SUITE 600 FORT LAUDERDALE, FL 33308 | HEALTH OPTIONS | $50K | $0 | $50K | 4.81% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | $6K | $24K | 16.54% |
| WEB BENEFITS DESIGN CORPORATION5 | 4725 WEST SAND LAKE ROAD, SUITE 300 ORLANDO, FL 32819 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 3.36% |
| MITCHELL KOGGE3 Filed as: MITCHELL KOGGE AND OTHER AGENTS | 11007 SUMMER DRIVE TAMPA, FL 33624 | AFLAC | $1K | $0 | $1K | 2.57% |
| JOHN DOMEIER3 Filed as: JOHN H. DOMEIER | 720 17TH AVENUE NORTH SAINT PETERSBURG, FL 33704 | AFLAC | $816 | $0 | $816 | 1.43% |
| WILLIS TOWERS WATSON US LLC3 Filed as: RODNEY J. WILLIS | 10224 TARPON DRIVE TREASURE ISLAND, FL 33706 | AFLAC | $789 | $0 | $789 | 1.38% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES, INC. | 110 CARILLON PARKWAY SAINT PETERSBURG, FL 33716 | AFLAC | $714 | $0 | $714 | 1.25% |
| VICTORRIO PAUL ZANIOL INC3 Filed as: VICTORRIO PAUL ZANIOL, INC. | 7511 BURLINGTON AVENUE NORTH SAINT PETERSBURG, FL 33710 | AFLAC | $665 | $0 | $665 | 1.16% |
| TRICIA MONTRONE3 | 8884 CHRISTIE DRIVE LARGO, FL 33771 | AFLAC | $466 | $0 | $466 | 0.82% |
| USI INSURANCE SERVICES LLC3 | 2400 EAST COMMERCIAL BOULEVARD SUITE 600 FORT LAUDERDALE, FL 33308 | AFLAC | $352 | $0 | $352 | 0.62% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
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 | 125 | 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH OPTIONS | 125 | $1.0M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 179 | $142K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 222 | $15K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 179 | $142K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 179 | $199K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 179 | $142K |
| Prescription drug | HEALTH OPTIONS | 125 | $1.0M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 179 | $199K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.