| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | BLUE CROSS BLUE SHIELD OF FLORIDA | $37K | $0 | $37K | 4.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | HEALTH OPTIONS, INC. | $13K | $0 | $13K | 4.00% |
| USI INSURANCE SERVICES LLC3 | 1715 NORTH WESTSHORE BOULEVARD SUITE 700 TAMPA, FL 33607 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $6K | $16K | 15.43% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $5K | $19K | 21.19% |
| USI INSURANCE SERVICES LLC3 | PO BOX 141916 CORAL GABLES, FL 33114 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $562 | $15 | $577 | 5.18% |
| THE CLARK GROUP OF SC3 Filed as: THE CLARK GROUP OF SC AND AGENTS | 589 WINDMERE DRIVE LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $228 | $18 | $246 | 2.21% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES, INC. | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $209 | $0 | $209 | 1.88% |
| TILTON ASSOCIATES INC3 Filed as: TILTON ASSOCIATES, INC. | 4141 NW 10TH STREET COCONUT CREEK, FL 33066 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $124 | $50 | $174 | 1.56% |
| GINA MARIE MARTINEZ3 | 2401 NE 65TH STREET FORT LAUDERDALE, FL 33308 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $109 | $0 | $109 | 0.98% |
| CREATIVE BENEFIT CONSULTANTS INC3 Filed as: CREATIVE BENEFIT CONSULTANTS, INC. | 18214 102ND WAY SOUTH BOCA RATON, FL 33498 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $50 | $38 | $88 | 0.79% |
| JUDITH A DE MERCADO3 Filed as: JUDITH A. DE MERCADO | 5634 NW 16TH STREET FORT LAUDERDALE, FL 33313 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $64 | $21 | $85 | 0.76% |
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 | 259 | 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) | 259 | 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 | 110 | $1.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 147 | $102K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 147 | $102K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 259 | $89K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 259 | $89K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 259 | $89K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 110 | $1.3M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 259 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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.