| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 2400 E COMMERCIAL BLVD STE 600 FORT LAUDERDALE, FL 33308 | BLUE CROSS BLUE SHIELD OF FLORIDA | $16K | — | $16K | 3.95% |
| FIDELITY INSURANCE AGENCY INC3 Filed as: FIDELITY INSURANCE AGENCY | 500 JIM MORAN BLVD DEERFIELD BEACH, FL 334421723 | BLUE CROSS BLUE SHIELD OF FLORIDA | $4K | — | $4K | 1.05% |
| FIDELITY INSURANCE AGENCY INC3 | 500 JIM MORAN BLVD DEERFIELD BCH, FL 334421723 | HUMANA INSURANCE COMPANY | $5K | — | $5K | 4.07% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 752511800 | HUMANA INSURANCE COMPANY | $419 | $899 | $1K | 1.12% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 2400 E COMMERCIAL BLVD STE 600 FORT LAUDERDALE, FL 33308 | HEALTH OPTIONS | $4K | — | $4K | 3.66% |
| FIDELITY INSURANCE AGENCY INC3 Filed as: FIDELITY INSURANCE AGENCY, INC | 500 JIM MORAN BLVD DEERFIELD BEACH, FL 334421723 | HEALTH OPTIONS | $2K | — | $2K | 1.34% |
| FIDELITY INSURANCE AGENCY INC3 Filed as: FIDELITY INSURANCE AGENCY, INC | 500 JIM MORAN BLVD DEERFIELD BEACH, FL 334421723 | USABLE LIFE | $811 | — | $811 | 8.05% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1715 N WEST SHORE BLVD STE 700 TAMPA, FL 33607 | USABLE LIFE | $294 | — | $294 | 2.92% |
| FIDELITY INSURANCE AGENCY INC3 Filed as: FIDELITY INSURANCE AGENCY, INC | 500 JIM MORAN BLVD DEERFIELD BEACH, FL 334421723 | USABLE LIFE | $463 | — | $463 | 8.29% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICESLLC | 1715 N WEST SHORE BLVD STE 700 TAMPA, FL 33607 | USABLE LIFE | $165 | — | $165 | 2.96% |
| FIDELITY INSURANCE AGENCY INC3 Filed as: FIDELITY INSURANCE AGENCY, INC | 500 JIM MORAN BLVD DEERFIELD BEACH, FL 334421723 | USABLE LIFE | $349 | — | $349 | 8.99% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1715 N WEST SHORE BLVD STE TAMPA, FL 33607 | USABLE LIFE | $113 | — | $113 | 2.91% |
| FIDELITY INSURANCE AGENCY INC3 | 500 JIM MORAN BLVD DEERFIELD BEACH, FL 33422 | USABLE LIFE | $181 | — | $181 | 8.12% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1715 N WEST SHORE BLVD STE 700 TAMPA, FL 33607 | USABLE LIFE | $64 | — | $64 | 2.87% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 2400 E COMMERCIAL BLVD STE 600 FORT LAUDERDALE, FL 33309 | TELADOC HEALTH, INC. | $121 | — | $121 | 14.94% |
| FIDELITY INSURANCE AGENCY INC3 | 500 JIM MORAN BLVD DEERFIELD BEACH, FL 33442 | USABLE LIFE | $33 | — | $33 | 8.35% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1715 N WEST SHORE BLVD STE 700 TAMPA, FL 33607 | USABLE LIFE | $12 | — | $12 | 3.04% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 139 | $527K |
| Dental | HUMANA INSURANCE COMPANY | 343 | $118K |
| Vision | HUMANA INSURANCE COMPANY | 343 | $118K |
| Life insurance(2 contracts) | USABLE LIFE | 285 | $6K |
| Short-term disability | USABLE LIFE | 109 | $10K |
| Long-term disability | USABLE LIFE | 28 | $6K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 139 | $527K |
| Other(3 contracts, 2 carriers) | USABLE LIFE | 285 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 343 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.