| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $37K | — | $37K | 11.79% |
| MARSH & MCLENNAN AGENCY LLC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | — | $3K | 1.06% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $11K | $4K | $16K | 10.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGCY DBA SEITLIN | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.57% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $143 | $143 | 0.10% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 12.27% |
| USI INSURANCE SERVICES LLC3 | 180 PARK AVENUE, 1ST FLOOR FLORHAM PARK, NJ 07932 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $157 | — | $157 | 0.28% |
| BROOKS, TIMOTHY, C3 Filed as: BROOKS TIMOTHY CLIVE | 623 QUAIL LANE COPPELL, TX 75019 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $69 | — | $69 | 0.12% |
| US BENTEC WORKPLACE SOLUTIONS3 | 99 WOOD AVE S STE 501 ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $32 | — | $32 | 0.06% |
| PAPE ALAN3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 7.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE STE 400 FT LAUDERDALE, FL 33334 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.25% |
| USI INSURANCE SERVICES LLC3 | — | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $5K | — | $5K | 11.87% |
| MARSH & MCLENNAN AGENCY LLC3 | — | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $407 | — | $407 | 1.07% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | — | ACE AMERICAN INSURANCE COMPANY | $2K | — | $2K | 12.55% |
| INNOVATIVE WORKPLACE BENEFITS3 | — | ACE AMERICAN INSURANCE COMPANY | $1K | — | $1K | 7.99% |
| ACI3 | — | ACE AMERICAN INSURANCE COMPANY | $1K | — | $1K | 7.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC-FL DIV | — | ACE AMERICAN INSURANCE COMPANY | $360 | — | $360 | 2.45% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | METLIFE LEGAL PLANS OF FLORIDA | $92 | $9 | $101 | 10.94% |
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 | 703 | 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) | 703 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ACE AMERICAN INSURANCE COMPANY | 13 | $15K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 757 | $351K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 757 | $363K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 703 | $144K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 703 | $144K |
| Long-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 703 | $200K |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 703 | $216K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 757 | — |
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.