| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 201 ALHAMBRA CIRCLE, SUITE 1401 CORAL GABLES, FL 33134 | UNITEDHEALTHCARE INSURANCE COMPANY | $24K | $116K | $140K | 5.52% |
| USI INSURANCE SERVICES LLC3 | PO BOX 141916 MIAMI, FL 33114 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $11K | $11K | 0.44% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $2K | $2K | 0.09% |
| JOSE GONZALEZ3 | 201 ALHAMBRA CIRCLE, SUITE 1401 CORAL GABLES, FL 33134 | TRANSAMERICA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 4.96% |
| EXCELSIOR BENEFITS LLC3 Filed as: EXCELSIOR BENEFITS, LLC | 23505 SMITHTOWN ROAD, SUITE 200 EXCELSIOR, MN 55331 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 4.00% |
| PLANMEDICA HEALTHCARE SOLUTIONS LLC3 | PO BOX 164606 MIAMI, FL 33116 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 3.66% |
| HR BENEFITS SERVICE INC3 Filed as: HR BENEFITS SERVICE, INC. | 10446 NW 31ST TERRACE DORAL, FL 33172 | TRANSAMERICA LIFE INSURANCE COMPANY | $459 | $0 | $459 | 0.34% |
| EMPLOYER BENEFITS CONSULTING LLC3 Filed as: EMPLOYER BENEFITS CONSULTING, LLC | 13200 SW 128TH STREET, SUITE G-1 MIAMI, FL 33186 | TRANSAMERICA LIFE INSURANCE COMPANY | $48 | $0 | $48 | 0.04% |
| USI INSURANCE SERVICES LLC3 | PO BOX 141916 MIAMI, FL 33114 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 3.82% |
| 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 | $798 | $51 | $849 | 2.45% |
| GINA MARIE MARTINEZ3 | 2401 NE 65TH STREET FORT LAUDERDALE, FL 33308 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $745 | $0 | $745 | 2.15% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES, INC. | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $497 | $0 | $497 | 1.43% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 201629 DALLAS, TX 75320 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $391 | $51 | $442 | 1.27% |
| B & B INSURANCE SOLUTIONS INC3 Filed as: B & B INSURANCE SOLUTIONS, INC. | 12002 SW 128TH COURT MIAMI, FL 33186 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $150 | $147 | $297 | 0.86% |
| ELIZABETH SANGUILY3 | 8421 SW 124TH AVENUE MIAMI, FL 33183 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $228 | $9 | $237 | 0.68% |
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 | 272 | 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) | 272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 695 | $2.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 695 | $2.5M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 695 | $2.5M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 695 | $2.5M |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 695 | $2.5M |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 695 | $2.5M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 695 | $2.5M |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 695 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 695 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.