| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DR STE 400 VALHALLA, NY 10595 | UNITEDHEALTHCARE INSURANCE COMPANY | $53K | — | $53K | 8.70% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC SOUTHEAS | PO BOX 62689 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 12.52% |
| USI INSURANCE SERVICES LLC3 | 3805 WEST CHESTER PIKE SUITE 200 NEWTOWN SQUARE, PA 19073 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $667 | $667 | 4.60% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | 401 S MOUNT JULIET RD PMB #184 MOUNT JULIET, TN 37122 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $473 | $473 | 3.26% |
| RITZER, MICHAEL JASON3 | 6465 POND APPLE RD BOCA RATON, FL 33433 | SUN LIFE ASSURANCE COMPANY OF CANADA | $364 | — | $364 | 2.51% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DR STE 400 VALHALLA, NY 10595 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $728 | — | $728 | 6.61% |
| NATIONAL AGENCY SOLUTIONS LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $696 | — | $696 | 6.32% |
| THE SOUTHERN REGION LLC3 Filed as: THE SOUTHERN REGION | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $367 | — | $367 | 3.33% |
| MICHAEL RITZER3 | 6465 POND APPLE ROAD BOCA RATON, FL 33433 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $152 | — | $152 | 1.38% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $38 | — | $38 | 0.35% |
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 | 107 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 58 | $604K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 58 | $604K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 58 | $604K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 107 | $15K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 107 | $15K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 107 | $15K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 107 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 107 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.