| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $31K | $31K | 6.63% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 141916 CORAL GABLES, FL 33114 | NEIGHBORHOOD HEALTH PARTNERSHIP | — | $29K | $29K | 6.85% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1301 GERVAIS STREET, SUITE 500 COLUMBIA, SC 29201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $23K | $5K | $28K | 14.45% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 141916 CORAL GABLES, FL 33114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 6.15% |
| VOLUNTARY INS GROUP INC3 Filed as: VOLUNTARY INSURANCE GROUP, INC. | 231 SW 63RD TERRACE PEMBROKE PINES, FL 33023 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $698 | — | $698 | 2.96% |
| HAROLD WILLIAM SCHUMAKER3 | 827 SUNRIDGE POINT DRIVE SEFFNER, FL 33584 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $340 | — | $340 | 1.44% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 600 CLEVELAND STREET, SUITE 600 CLEARWATER, FL 33755 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $279 | — | $279 | 1.18% |
| PETER J. BLESSIN3 | PO BOX 1376 SAFETY HARBOR, FL 34695 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $241 | — | $241 | 1.02% |
| LISA MARIE OTERO3 | 23230 ISLAND VIEW, SUITE F BOCA RATON, FL 33433 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $70 | — | $70 | 0.30% |
| MJ INSURANCE3 Filed as: STEVENS INS BKRG AND VARIOUS AGENTS | 24761 US HIGHWAY 19 NORTH SUITE 640 CLEARWATER, FL 33763 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $53 | — | $53 | 0.22% |
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 | 159 | 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) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 93 | $911K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 159 | $196K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 159 | $196K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 159 | $219K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 159 | $196K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 159 | $196K |
| Prescription drug(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 93 | $911K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 159 | $219K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.