| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 1715 NORTH WEST SHORE BOULEVARD SUITE 700 TAMPA, FL 33607 | HEALTH OPTIONS, INC | $50K | $0 | $50K | 5.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $22K | $9K | $31K | 17.13% |
| WEB BENEFITS DESIGN CORPORATION5 | 4725 WEST SAND LAKE ROAD, SUITE 300 ORLANDO, FL 32819 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 3.53% |
| JAMIE PITTNER3 Filed as: JAMIE M. PITTNER AND OTHER AGENTS | 2749 BURNING TREE LANE CLEARWATER, FL 33761 | AFLAC | $2K | $75 | $2K | 3.59% |
| WILLIS TOWERS WATSON US LLC3 Filed as: RODNEY J. WILLIS | 10224 TARPON DRIVE TREASURE ISLAND, FL 33706 | AFLAC | $1K | $80 | $1K | 2.29% |
| JOHN DOMEIER3 Filed as: JOHN H. DOMEIER | 720 17TH AVENUE NORTH SAINT PETERSBURG, FL 33704 | AFLAC | $1K | $80 | $1K | 2.25% |
| USI INSURANCE SERVICES LLC3 | 2400 EAST COMMERCIAL BOULEVARD SUITE 600 FORT LAUDERDALE, FL 33308 | AFLAC | $1K | $0 | $1K | 1.97% |
| VICTORRIO PAUL ZANIOL INC3 Filed as: VICTORRIO PAUL ZANIOL, INC. | 690 64TH STREET SOUTH SAINT PETERSBURG, FL 33707 | AFLAC | $538 | $0 | $538 | 1.01% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES, INC. | 110 CARILLON PARKWAY SAINT PETERSBURG, FL 33716 | AFLAC | $506 | $0 | $506 | 0.95% |
| DARRELL STANLEY BRANDIMORE3 | 3701 18TH AVENUE NORTH SAINT PETERSBURG, FL 33713 | AFLAC | $456 | $0 | $456 | 0.86% |
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 | 201 | 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) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH OPTIONS, INC | 140 | $992K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 138 | $183K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 138 | $183K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 138 | $183K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 138 | $183K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 138 | $183K |
| Prescription drug | HEALTH OPTIONS, INC | 140 | $992K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 138 | $236K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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.