| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $4K | $11K | 2.96% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5 | $5 | 0.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $0 | $9K | 3.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $7K | $7K | 2.30% |
| LEE P COHEN3 | 16273 SW 9TH STREET PEMBROKE PINES, FL 33027 | AFLAC | $641 | $0 | $641 | 2.92% |
| KCI FINANCIAL SERV. INC3 Filed as: KCI FINANCIAL SERVICES INC | 16273 SW 9TH STREET PEMBROKE PINES, FL 33027 | AFLAC | $481 | $0 | $481 | 2.19% |
| MARCO A ERAZO3 | 4160 SW 152ND AVENUE MIRAMAR, FL 33027 | AFLAC | $325 | $0 | $325 | 1.48% |
| TRACY L REEVES3 | 16273 SW 9TH STREET PEMBROKE PINES, FL 33027 | AFLAC | $235 | $0 | $235 | 1.07% |
| DONNA CHIN LOY AND OTHER AGENTS3 | 3111 SW 37TH TERRACE WEST PARK, FL 33023 | AFLAC | $173 | $0 | $173 | 0.79% |
| BONNIE J. BLOOM3 Filed as: BONNIE J BLOOM | 1856 NORTH NOB HILL ROAD, SUITE 267 PLANTATION, FL 33322 | AFLAC | $153 | $0 | $153 | 0.70% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRAIL NW KENNESAW, GA 30152 | AFLAC | $121 | $0 | $121 | 0.55% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 10.88% |
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 | 281 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 286 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 589 | $4.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 743 | $369K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 523 | $20K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 281 | $298K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 281 | $298K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 589 | $4.9M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 281 | $320K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 743 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.