| 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 | $52K | $52K | 4.94% |
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE CENTER PARKWAY SUITE 700 ATLANTA, GA 30328 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21K | $0 | $21K | 11.94% |
| UNKNOWN3 | UNKNOWN MIRAMAR, FL 33025 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $6K | $6K | 3.30% |
| USI INSURANCE SERVICES LLC3 | 201 ALHAMBRA CIRCLE, SUITE 1401 CORAL GABLES, FL 33134 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.79% |
| VOLUNTARY INS GROUP INC3 Filed as: VOLUNTARY INS. GRP. INC. AND AGENTS | 11705 NW 82ND COURT PARKLAND, FL 33076 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.05% |
| DANIEL CARRIAZO3 | 10805 SW 134 COURT MIAMI, FL 33186 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.90% |
| 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 | $819 | $0 | $819 | 1.41% |
| ROBERT M GLASS CORP3 Filed as: ROBERT M. GLASS | 1600 SOUTH FEDERAL HIGHWAY SUITE 450 POMPANO, FL 33062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $577 | $0 | $577 | 0.99% |
| RAMON J FRIAS INC3 Filed as: RAMON J. FRIAS, INC. | 1611 NW 102ND DRIVE CORAL SPRINGS, FL 33071 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $369 | $0 | $369 | 0.64% |
| MICHELLE LAMPERT3 | 740 SOUTH FEDERAL HIGHWAY APARTMENT 412 POMPANO BEACH, FL 33062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $263 | $0 | $263 | 0.45% |
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 | 105 | 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) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 98 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 105 | $176K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 105 | $176K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 105 | $234K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 105 | $176K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 105 | $176K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 98 | $1.1M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 105 | $234K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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.