| 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 | $40K | $0 | $40K | 3.50% |
| USI INSURANCE SERVICES LLC3 | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | HARTFORD LIFE AND ACCIDENT | $13K | $0 | $13K | 14.08% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NORTHWEST | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | HARTFORD LIFE AND ACCIDENT | $0 | $6K | $6K | 6.14% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | $0 | $8K | 9.26% |
| USI INSURANCE SERVICES LLC3 | 2400 EAST COMMERCIAL BOULEVARD SUITE 600 FORT LAUDERDALE, FL 33308 | AFLAC | $2K | $0 | $2K | 3.46% |
| JOHN DOMEIER3 | 720 17TH AVENUE NORTH SAINT PETERSBURG, FL 33704 | AFLAC | $2K | $102 | $2K | 3.09% |
| WILLIS TOWERS WATSON US LLC3 Filed as: RODNEY WILLIS | 510 74TH AVENUE NORTH SAINT PETERSBURG, FL 33702 | AFLAC | $2K | $102 | $2K | 3.05% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INS AGY & OTHER AGENTS | 110 CARILLON PARKWAY SAINT PETERSBURG, FL 33716 | AFLAC | $2K | $42 | $2K | 3.03% |
| LANCE SHNIDER3 | 401 EAST OGLETHORPE AVENUE APARTMENT 1114 SAVANNAH, GA 31401 | AFLAC | $1K | $0 | $1K | 1.60% |
| JAMIE PITTNER3 | 2749 BURNING TREE LANE CLEARWATER, FL 33761 | AFLAC | $871 | $42 | $913 | 1.44% |
| VICTORRIO PAUL ZANIOL INC3 Filed as: VICTORRIO PAUL ZANIOL, INC. | 690 64TH STREET SOUTH SAINT PETERSBURG, FL 33707 | AFLAC | $486 | $0 | $486 | 0.77% |
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 | 198 | 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) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH OPTIONS | 151 | $1.1M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 143 | $84K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 143 | $84K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 198 | $91K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 198 | $91K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 198 | $91K |
| Prescription drug | HEALTH OPTIONS | 151 | $1.1M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 198 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.