| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62689 VIRGINIA BEACH, VA 23466 | BLUE CROSS BLUE SHIELD OF FLORIDA | $36K | $0 | $36K | 4.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62689 VIRGINIA BEACH, VA 23466 | BLUE CROSS BLUE SHIELD OF FLORIDA | $6K | $0 | $6K | 4.00% |
| 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 | $8K | $6K | $14K | 16.65% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62689 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $1K | $8K | 10.32% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSUSRANCE SERVICES, LLC | PO BOX 62689 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $962 | $6K | 7.48% |
| ESQUEN INSURANCE GROUP CORP3 Filed as: ESQUEN INSURANCE AND OTHER AGENTS | 14552 SW 152ND PLACE MIAMI, FL 33196 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $977 | $37 | $1K | 7.39% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES, INC. | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $410 | $46 | $456 | 3.32% |
| GINA MARIE MARTINEZ3 Filed as: GINA M. MARTINEZ | 2401 NE 65TH STREET FORT LAUDERDALE, FL 33308 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $241 | $39 | $280 | 2.04% |
| THE CLARK GROUP OF SC3 | 589 WINDMERE DRIVE LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $114 | $15 | $129 | 0.94% |
| MARIA D KADALA3 Filed as: MARIA D. KADALA | 1830 NORTH UNIVERSITY DRIVE PLANTATION, FL 33322 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $99 | $0 | $99 | 0.72% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEM, INC. | 245 SEVEN FARMS DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $83 | $8 | $91 | 0.66% |
| HECTOR HOSE ROBERTS, JR.3 | 8600 SW 155 TERRACE MIAMI, FL 33157 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $73 | $0 | $73 | 0.53% |
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 | 225 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 123 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 133 | $84K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 133 | $84K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 225 | $79K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 225 | $79K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 225 | $79K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 123 | $1.1M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 225 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.