| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 2400 EAST COMMERCIAL BOULEVARD SUITE 600 FORT LAUDERDALE, FL 33308 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | $64K | $73K | 5.22% |
| LOCKTON COMPANIES, LLC3 | 3601 SW 160TH AVENUE, SUITE 200 MIRAMAR, FL 33027 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $8K | $10K | 0.70% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | PRINCIPAL LIFE INSURANCE COMPANY | $13K | $0 | $13K | 13.03% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 4.56% |
| USI INSURANCE SERVICES LLC3 | PO BOX 141916 CORAL GABLES, FL 33114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.31% |
| ROBERT M GLASS CORP3 | 1600 SOUTH FEDERAL HIGHWAY SUITE 801D POMPANO BEACH, FL 33062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.75% |
| DANIEL CARRIAZO3 | 14348 SOUTHWEST 17TH STREET MIAMI, FL 33175 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $987 | $0 | $987 | 2.44% |
| NESTOR URIBE3 | PO BOX 294082 BOCA RATON, FL 33432 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $710 | $0 | $710 | 1.75% |
| ROBERT M GLASS CORP3 Filed as: ROBERT M GLASS | 1600 SOUTH FEDERAL HIGHWAY SUITE 801D POMPANO BEACH, FL 33062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $203 | $0 | $203 | 0.50% |
| RAMON J FRIAS INC3 | 1611 NORTHWEST 102ND DRIVE CORAL SPRINGS, FL 33071 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $120 | $0 | $120 | 0.30% |
| MICHELLE LAMPERT3 | 4611 NORTH FEDERAL HIGHWAY APARTMENT 401 POMPANO BEACH, FL 33063 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $103 | $0 | $103 | 0.25% |
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 | 162 | 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) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 381 | $1.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 381 | $1.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 381 | $1.4M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 142 | $102K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 142 | $102K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 142 | $102K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 381 | $1.4M |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 142 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 381 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.