| 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 | $30K | $110K | $140K | 5.80% |
| JOSE GONZALEZ3 | 201 ALHAMBRA CIRCLE, SUITE 1401 CORAL GABLES, FL 33134 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 5.83% |
| EXCELSIOR BENEFITS LLC3 Filed as: EXCELSIOR BENEFITS, LLC | 23505 SMITHTOWN ROAD, SUITE 200 EXCELSIOR, MN 55331 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.02% |
| PLANMEDICA HEALTHCARE SOLUTIONS LLC3 Filed as: PLANMEDICA HEALTHCARE SOLUTIONS | PO BOX 164606 MIAMI, FL 33116 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.19% |
| USI INSURANCE SERVICES LLC3 | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | TRANSAMERICA LIFE INSURANCE COMPANY | $857 | $0 | $857 | 0.93% |
| EMPLOYER BENEFITS CONSULTING LLC3 Filed as: EMPLOYER BENEFITS CONSULTING, LLC | 13200 SW 128TH STREET, SUITE G-1 MIAMI, FL 33186 | TRANSAMERICA LIFE INSURANCE COMPANY | $52 | $0 | $52 | 0.06% |
| HR BENEFITS SERVICE INC3 Filed as: HR BENEFITS SERVICE, INC. | 10446 NW 31ST TERRACE DORAL, FL 33172 | TRANSAMERICA LIFE INSURANCE COMPANY | $31 | $0 | $31 | 0.03% |
| USI INSURANCE SERVICES LLC3 | PO BOX 141916 CORAL GABLES, FL 33114 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 3.50% |
| GINA MARIE MARTINEZ3 Filed as: GINA M. MARTINEZ AND OTHER AGENTS | 2401 NE 65TH STREET FORT LAUDERDALE, FL 33308 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $40 | $1K | 3.48% |
| 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 | $391 | $247 | $638 | 1.93% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 201629 DALLAS, TX 75320 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $517 | $107 | $624 | 1.88% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES, INC. | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $434 | $0 | $434 | 1.31% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEM, INC. | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $145 | $0 | $145 | 0.44% |
| THE CLARK GROUP OF SC3 Filed as: THE CLARK GROUP OF SOUTH CAROLINA | 589 WINDMERE DRIVE LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $145 | $0 | $145 | 0.44% |
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 | 257 | 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) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 651 | $2.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 651 | $2.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 651 | $2.4M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 651 | $2.4M |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 651 | $2.4M |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 651 | $2.4M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 651 | $2.4M |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 651 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 651 | — |
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.