| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $55K | $55K | 5.01% |
| USI INSURANCE SERVICES LLC3 | 1715 NORTH WESTSHORE BOULEVARD SUITE 700 TAMPA, FL 33607 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21K | $8K | $29K | 16.50% |
| USI INSURANCE SERVICES LLC3 | PO BOX 141916 CORAL GABLES, FL 33114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | $0 | $6K | 8.15% |
| DANIEL CARRIAZO3 | 8351 SW 124TH AVENUE, SUITE 104 MIAMI, FL 33183 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 6.85% |
| ROBERT M GLASS CORP3 Filed as: ROBERT M. GLASS CORPORATION | 1600 SOUTH FEDERAL HIGHWAY SUITE 801-D POMPANO BEACH, FL 33062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.87% |
| MICHELLE LAMPERT3 Filed as: MICHELLE LAMPERT AND OTHER AGENTS | 740 SOUTH FEDERAL HIGHWAY APARTMENT 412 POMPANO BEACH, FL 33062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $227 | $2K | 2.82% |
| ROBERT M GLASS CORP3 Filed as: ROBERT M. GLASS | 1600 SOUTH FEDERAL HIGHWAY SUITE 801-D POMPANO BEACH, FL 33062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $793 | $0 | $793 | 1.17% |
| RAMON J FRIAS INC3 Filed as: RAMON J. FRIAS, INC. | 1611 NW 102ND DRIVE CORAL SPRINGS, FL 33071 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $653 | $0 | $653 | 0.96% |
| VOLUNTARY INS GROUP INC3 Filed as: VOLUNTARY INSURANCE GROUP, INC. | 231 SW 63RD TERRACE PEMBROKE PINES, FL 33023 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $337 | $0 | $337 | 0.50% |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 116 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 119 | $175K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 119 | $175K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 119 | $243K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 119 | $175K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 119 | $175K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 116 | $1.1M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 119 | $243K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.