| 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 | $16K | $0 | $16K | 8.87% |
| EXCELSIOR BENEFITS LLC3 Filed as: EXCELSIOR BENEFITS, LLC | 441 2ND STREET EXCELSIOR, MN 55331 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.99% |
| JOSE GONZALEZ3 | 1900 NW CORPORATE BOULEVARD SUITE 400E BOCA RATON, FL 33431 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.60% |
| PLANMEDICA HEALTHCARE SOLUTIONS LLC3 Filed as: PLANMEDICA HEALTHCARE SOLUTIONS | PO BOX 164606 MIAMI, FL 33116 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.61% |
| USI INSURANCE SERVICES LLC3 | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.47% |
| HR BENEFITS SERVICE INC3 Filed as: HR BENEFITS SERVICE, INC. | 10446 NW 31ST TERRACE DORAL, FL 33172 | TRANSAMERICA LIFE INSURANCE COMPANY | $202 | $0 | $202 | 0.22% |
| EMPLOYER BENEFITS CONSULTING LLC3 Filed as: EMPLOYER BENEFITS CONSULTING, LLC | 13200 SW 128TH STREET, SUITE G-1 MIAMI, FL 33186 | TRANSAMERICA LIFE INSURANCE COMPANY | $78 | $0 | $78 | 0.09% |
| USI INSURANCE SERVICES LLC3 | PO BOX 141916 CORAL GABLES, FL 33114 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 3.24% |
| MJ INSURANCE3 Filed as: MICHAEL SCHOOLEY AND VARIOUS AGENTS | 11107 SW 138TH PLACE MIAMI, FL 33186 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $845 | $31 | $876 | 2.70% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 201629 DALLAS, TX 75320 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $695 | $0 | $695 | 2.14% |
| GINA MARIE MARTINEZ3 | 2400 NE 36TH STREET, APARTMENT 7 LIGHTHOUSE POINT, FL 33064 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $591 | $0 | $591 | 1.82% |
| 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 | $390 | $166 | $556 | 1.71% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES, INC. | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $395 | $0 | $395 | 1.22% |
| ANDREA BROWNING3 | 145 19TH AVENUE SE SAINT PETERSBURG, FL 33705 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $118 | $41 | $159 | 0.49% |
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 | 331 | 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) | 331 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 416 | $178K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 416 | $178K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 416 | $178K |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 416 | $300K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 416 | — |
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.