| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EUGENE VILLA3 Filed as: EUGENE EDWIN BAYNON | 11924 WEST FOREST HILL BOULEVARD SUITE 10A-404 WELLINGTON, FL 33414 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $33K | $33K | 2.67% |
| USI INSURANCE SERVICES LLC3 | 2400 EAST COMMERCIAL BOULEVARD SUITE 600 FORT LAUDERDALE, FL 33308 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $24K | $24K | 1.91% |
| BAYNON EUGENE3 | 11924 WEST FOREST HILL BOULEVARD SUITE 10A-404 WELLINGTON, FL 33414 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | $0 | $16K | 16.91% |
| EUGENE VILLA3 Filed as: EUGENE BAYNON | 11924 WEST FOREST HILL BOULEVARD SUITE 10A-404 WELLINGTON, FL 33414 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 8.44% |
| USI INSURANCE SERVICES LLC3 | 2400 EAST COMMERCIAL BOULEVARD SUITE 600 FORT LAUDERDALE, FL 33308 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $0 | $6K | 9.83% |
| USI INSURANCE SERVICES LLC3 | 2400 EAST COMMERCIAL BOULEVARD SUITE 600 FORT LAUDERDALE, FL 33308 | HUMANA INSURANCE COMPANY | $2K | $0 | $2K | 6.65% |
| EUGENE VILLA3 Filed as: EUGENE EDWIN BAYNON | 16651 KEY LIME BOULEVARD LOXAHATCHEE, FL 33470 | HUMANA INSURANCE COMPANY | $1K | $0 | $1K | 3.24% |
| USI INSURANCE SERVICES LLC3 | 2400 EAST COMMERCIAL BOULEVARD SUITE 600 FORT LAUDERDALE, FL 33308 | COMPBENEFITS COMPANY | $1K | $0 | $1K | 6.34% |
| EUGENE VILLA3 Filed as: EUGENE EDWIN BAYNON | 16651 KEY LIME BOULEVARD LOXAHATCHEE, FL 33470 | COMPBENEFITS COMPANY | $740 | $0 | $740 | 3.36% |
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 | 104 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 100 | $1.2M |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 75 | $58K |
| Vision | HUMANA INSURANCE COMPANY | 75 | $36K |
| Life insurance(3 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 132 | $208K |
| Short-term disability(3 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 132 | $208K |
| Long-term disability(3 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 132 | $208K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 100 | $1.2M |
| Other(3 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 132 | $208K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.