| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 141916 CORAL GABLES, FL 33114 | UNITED HEALTHCARE INSURANCE COMPANY | — | $31K | $31K | 6.37% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX14916 CORAL GABLES, FL 33114 | NEIGHBORHOOD HEALTH PARTNERSHIP | — | $29K | $29K | 7.14% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1715 NORTH WEST SHORE BOULEVARD SUITE 700 TAMPA, FL 33607 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | $7K | $24K | 13.20% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 200 SUMMIT LAKE DRIVE, SUITE 350 VALHALLA, NY 10595 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 2.89% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 141916 CORAL GABLES, FL 33114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 20.84% |
| VOLUNTARY INS GROUP INC3 Filed as: VOLUNTARY INSURANCE GROUP INC. | 231 SW 63RD TERRACE PEMBROKE PINES, FL 33023 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $893 | — | $893 | 3.67% |
| HAROLD WILLIAM SCHUMAKER3 | 3238 ORCHARD DRIVE PALM HARBOR, FL 34684 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $381 | — | $381 | 1.57% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: THE ALIANT INSURANCE GROUP, LLC | 600 CLEVELAND STREET, SUITE 600 CLEARWATER, FL 33755 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $311 | — | $311 | 1.28% |
| PETER J. BLESSIN3 | PO BOX 1376 SAFETY HARBOR, FL 34695 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $271 | — | $271 | 1.11% |
| MJ INSURANCE3 Filed as: STEVENS INS. BROKERAGE SVCS. | 24761 US HIGHWAY 19 NORTH SUITE 640 CLEARWATER, FL 33763 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $43 | — | $43 | 0.18% |
| KABIRUDEEN SALAMI3 | 11525 SUNRISE VALLEY DRIVE REST, VA 20191 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27 | — | $27 | 0.11% |
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 | 66 | 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) | 66 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 88 | $917K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 155 | $180K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 155 | $180K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 155 | $204K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 155 | $180K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 155 | $180K |
| Prescription drug(3 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 88 | $917K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 155 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.