| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 201 ALHAMBRA CIRCLE, SUITE 1401 CORAL GABLES, FL 33134 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $50K | $50K | 5.26% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | $7K | $25K | 17.16% |
| WEB BENEFITS DESIGN CORPORATION5 | 4725 WEST SAND LAKE ROAD, SUITE 300 ORLANDO, FL 32819 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 3.15% |
| BRYON L GROVE3 Filed as: BRYON L. GROVE AND OTHER AGENTS | 11260 CHESTER ROAD, SUITE 500 CINCINNATI, OH 45246 | AFLAC | $2K | $21 | $2K | 3.16% |
| JOHN DOMEIER3 Filed as: JOHN H. DOMEIER | 720 17TH AVENUE NORTH SAINT PETERSBURG, FL 33704 | AFLAC | $1K | $235 | $1K | 2.29% |
| WILLIS TOWERS WATSON US LLC3 Filed as: RODNEY J. WILLIS | 10224 TARPON DRIVE TREASURE ISLAND, FL 33706 | AFLAC | $999 | $56 | $1K | 1.92% |
| USI INSURANCE SERVICES LLC3 | 2400 EAST COMMERCIAL BOULEVARD SUITE 600 FORT LAUDERDALE, FL 33308 | AFLAC | $794 | $0 | $794 | 1.44% |
| VICTORRIO PAUL ZANIOL INC3 Filed as: VICTORRIO PAUL ZANIOL, INC. | 7511 BURLINGTON AVENUE NORTH SAINT PETERSBURG, FL 33710 | AFLAC | $608 | $0 | $608 | 1.11% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES, INC. | 110 CARILLON PARKWAY SAINT PETERSBURG, FL 33716 | AFLAC | $596 | $0 | $596 | 1.08% |
| TRICIA MONTRONE3 | 8884 CHRISTIE DRIVE LARGO, FL 33771 | AFLAC | $443 | $0 | $443 | 0.81% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | — |
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 | 192 | 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) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 136 | $956K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 194 | $144K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 203 | $0 |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 194 | $144K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 194 | $199K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 194 | $144K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 136 | $956K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 194 | $199K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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.