| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 201 ALHAMBRA CIRCLE, SUITE 801 MIAMI, FL 33134 | BLUE CROSS BLUE SHIELD OF FLORIDA | $90K | $0 | $90K | 4.00% |
| USI INSURANCE SERVICES LLC3 | 201 ALHAMBRA CIRCLE, SUITE 801 MIAMI, FL 33134 | HEALTH OPTIONS | $28K | $0 | $28K | 4.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $36K | $16K | $52K | 21.71% |
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE CENTER PARKWAY SUITE 700 ATLANTA, GA 30328 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | $6K | $26K | 13.27% |
| USI INSURANCE SERVICES LLC3 | 1575 NORTHSIDE DRIVE ATLANTA, GA 30318 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $43 | $2K | 9.09% |
| INSGROUP INC3 Filed as: ESQUEN INSURANCE GROUP CORPORATION | 14552 SW 152ND PLACE MIAMI, FL 33196 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $820 | $0 | $820 | 3.91% |
| ERIN WIGGINS3 Filed as: ERIN WIGGINS AND OTHER AGENTS | 1738 MOHAWK AVENUE CHARLESTON, SC 29412 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $505 | $41 | $546 | 2.60% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES, INC. | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $535 | $2 | $537 | 2.56% |
| YESENIA HENOHE OSORIO3 | 13611 ISHNALA CIRCLE WELLINGTON, FL 33414 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $386 | $102 | $488 | 2.33% |
| MONICA MARIA REVUELTA3 | 4721 NW 178TH TERRACE MIAMI GARDENS, FL 33055 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $159 | $251 | $410 | 1.96% |
| JUAN PABLO CONTESSE3 | 12120 SW 106TH STREET MIAMI, FL 33186 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $267 | $0 | $267 | 1.27% |
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 | 681 | 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) | 681 | 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 | 233 | $3.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 321 | $194K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 321 | $194K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 681 | $240K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 681 | $240K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 681 | $240K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 233 | $3.0M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 681 | $260K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 681 | — |
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.